公开(公告)号：US20200245138A1

公开(公告)日：2020-07-30

申请号：US16262699

申请日：2019-01-30

申请人： Gavin Shenker ,  Brian Sullivan ,  Christian Aabye ,  Hao Ngo

发明人： Gavin Shenker ,  Brian Sullivan ,  Christian Aabye ,  Hao Ngo

IPC分类号： H04W12/00 ,  H04W4/02 ,  H04W4/24 ,  H04W12/06 ,  G06F21/32

摘要： A method is disclosed. The method includes receiving, by a user device from an access device, an available applications request message. The available applications request message includes an access device type identifier. The method also includes determining whether an association exists between the access device type identifier and one or more application identifiers of a plurality of application identifiers stored on the user device. The plurality of application identifiers respectively correspond to different applications on the user device. The method also includes transmitting, by the user device, to the access device, based in part on whether the association exists, an available applications response. The available applications response includes the one or more application identifiers of the plurality of application identifiers associated with the access device type identifier.

公开(公告)号：US20190163467A1

公开(公告)日：2019-05-30

申请号：US16262766

申请日：2019-01-30

申请人： Christian Aabye ,  Kiushan Pirzadeh ,  Glenn Powell ,  Igor Karpenko

发明人： Christian Aabye ,  Kiushan Pirzadeh ,  Glenn Powell ,  Igor Karpenko

IPC分类号： G06F8/65 ,  G06F8/71 ,  G06F9/445

摘要： Embodiments of the present invention are directed at methods and systems for providing a partial personalization process that allows for more efficient and effective personalization of a application on a communication device. For example, personalization profiles associated with multiple versions of the application may be stored at a provisioning system and the provisioning system may determine the appropriate partial provisioning information to update the application for each migration notification. Partial personalization information that is to be updated for the updated version of the application may be generated and installed to enable new functionality and/or update the information contained within an updated application without requiring re-personalization of all personalized information.

公开(公告)号：US20180232722A1

公开(公告)日：2018-08-16

申请号：US15949790

申请日：2018-04-10

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 ,  Christian Aabye ,  Hao Ngo ,  John F. Sheets

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 ,  Christian Aabye ,  Hao Ngo ,  John F. Sheets

IPC分类号： G06Q20/32

摘要： Techniques for enhancing the security of a communication device when conducting a transaction using the communication device may include receiving a cryptogram generation key replenishment request that includes transaction log information derived from transaction data stored in a transaction log on a communication device, verifying that the transaction log information in the replenishment request is consistent with the previously received transaction information, and providing a new cryptogram generation key to the communication device in response to verifying the transaction log information in the replenishment request.

公开(公告)号：US09824355B2

公开(公告)日：2017-11-21

申请号：US12563444

申请日：2009-09-21

申请人： Christian Aabye ,  Hao Ngo ,  David Wilson

发明人： Christian Aabye ,  Hao Ngo ,  David Wilson

IPC分类号： G06Q40/00 ,  G06Q20/40 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/38

CPC分类号： G06Q20/40 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q20/322 ,  G06Q20/3278 ,  G06Q20/382 ,  G06Q20/3829

摘要： A system, apparatus, and method for processing payment transactions that are conducted using a mobile payment device that includes a contactless element, such as an integrated circuit chip. The invention enables one or more of the operations of activation of a payment application, transfer of transaction data, updating of account records, setting or re-setting of a payment application counter or register, or transfer or processing of a script, command, or instruction, with these functions being performed with minimal impact on a consumer. This is accomplished by introducing a pre-tap and/or two-tap operation prior to, or as part of, the transaction flow.

公开(公告)号：US20170161723A1

公开(公告)日：2017-06-08

申请号：US15441127

申请日：2017-02-23

申请人： Trudy Hill ,  Jagdeep Singh Sahota ,  Christian Aabye ,  Kim R. Wagner ,  Anita Ochieano ,  Carole Oppenlander ,  William Chi Yuen Chan ,  Craig Allen Glendenning

发明人： Trudy Hill ,  Jagdeep Singh Sahota ,  Christian Aabye ,  Kim R. Wagner ,  Anita Ochieano ,  Carole Oppenlander ,  William Chi Yuen Chan ,  Craig Allen Glendenning

IPC分类号： G06Q20/34 ,  G06Q20/38 ,  G06Q20/40

CPC分类号： G06Q20/352 ,  G06K7/0008 ,  G06Q20/04 ,  G06Q20/3674 ,  G06Q20/382 ,  G06Q20/38215 ,  G06Q20/3825 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q20/4016 ,  G06Q20/409 ,  G06Q30/06 ,  G07F7/0826 ,  G07F7/088 ,  G07F7/1008 ,  G07F7/1016

摘要： Methods, devices, and systems are described for sending and receiving messages between a terminal reader and a payment device, such as a credit card. A dynamic signature is calculated on the payment device from an application transaction counter, a terminal unpredictable number, and a transaction amount, and it is sent with an application the locator (AFL) to the reader. The reader then sends a read record command to the payment device to get records associated with the AFL, among other normal processing. While the, normal processing is occurring for the transaction, the dynamic signature can be recalculated and compared with that from the payment device in order to assure that nothing has surreptitiously changed the values in the messages.

公开(公告)号：US20160248479A1

公开(公告)日：2016-08-25

申请号：US15048849

申请日：2016-02-19

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

IPC分类号： H04B5/00 ,  H04W4/00

CPC分类号： H04B5/0031 ,  H04B5/0062 ,  H04W4/80

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.

摘要翻译： 本公开的实施例涉及在移动设备和接入设备之间执行交易。 值信息由移动设备提供给接入设备。 价值信息不需要完成交易。

公开(公告)号：US20160247146A1

公开(公告)日：2016-08-25

申请号：US15146759

申请日：2016-05-04

申请人： Christian Aabye ,  David William Wilson

发明人： Christian Aabye ,  David William Wilson

IPC分类号： G06Q20/34

CPC分类号： G06Q20/342 ,  G06Q20/0655 ,  G06Q20/105 ,  G06Q20/227 ,  G06Q20/26 ,  G06Q20/348 ,  G06Q20/363 ,  G06Q20/389 ,  G06Q40/12 ,  G07F7/0866

摘要： A portable consumer device may have money stored therein, which can be calculated using an accumulator record and an exception record. The accumulator record can be incremented by the amount of any initiated transaction using the portable consumer device. The exception record can be incremented by the amount of any completed transaction using the portable consumer device. The portable consumer device may also have a limit amount, to record the amount of money added. The records allow for a later reconstruction of the device history, and can account for any errors or problems during transactions.

公开(公告)号：US09111280B2

公开(公告)日：2015-08-18

申请号：US13051815

申请日：2011-03-18

申请人： Dinah Sloan ,  Erick Wong ,  Michael Middlemas ,  Christian Aabye

发明人： Dinah Sloan ,  Erick Wong ,  Michael Middlemas ,  Christian Aabye

IPC分类号： G06F15/16 ,  G06Q10/10 ,  H04L12/58 ,  G06Q30/00

CPC分类号： H04L51/26 ,  G06Q10/107 ,  G06Q30/00 ,  H04L51/00 ,  H04L67/10

摘要： Embodiments of the present invention relate to systems and methods for enabling entities, such as issuers, merchants, payment processing networks, and mobile-network operators, to send account-related messages and marketing messages to a user's mobile device in response to a message request sent from the user's mobile device. According to some embodiments, the account-related messages and the marketing messages are sent to the user's mobile device in accordance with message parameters that are defined by the user and that are embedded in the message request.

摘要翻译： 本发明的实施例涉及用于允许诸如发行商，商家，支付处理网络和移动网络运营商的实体响应于消息请求向用户的移动设备发送帐户相关消息和营销消息的系统和方法 从用户的移动设备发送。 根据一些实施例，根据由用户定义并嵌入在消息请求中的消息参数，将帐户相关消息和营销消息发送到用户的移动设备。

公开(公告)号：US20150127529A1

公开(公告)日：2015-05-07

申请号：US14534037

申请日：2014-11-05

申请人： Oleg Makhotin ,  Christian Aabye ,  Kiushan Pirzadeh

发明人： Oleg Makhotin ,  Christian Aabye ,  Kiushan Pirzadeh

IPC分类号： G06Q20/08 ,  G06Q20/32

摘要： An application linker system that manages a plurality of application identifiers associated with a plurality of payment applications present on a device is disclosed. The application linker may manage relationships between application identifiers and payment applications that are provisioned for secure storage on a device. For example, a transaction can be conducted between a portable communication device and an access device. The method includes receiving a request for available payment applications located on the portable communication device from the access device, determining application identifiers associated with payment applications on the device, and sending a list of available payment applications including the application identifiers to the access device. The payment applications store payment information associated with one or more consumer accounts. One of the application identifiers is associated with two or more payment applications.

摘要翻译： 公开了一种管理与存在于设备上的多个支付应用相关联的多个应用标识符的应用链接器系统。 应用程序链接器可以管理应用程序标识符和为设备上的安全存储配置的支付应用程序之间的关系。 例如，可以在便携式通信设备和接入设备之间进行交易。 该方法包括从访问设备接收位于便携式通信设备上的可用支付应用的请求，确定与设备上的支付应用相关联的应用标识符，以及将包括应用标识符的可用支付应用的列表发送到接入设备。 支付应用程序存储与一个或多个消费者帐户相关联的支付信息。 其中一个应用程序标识符与两个或多个支付应用程序相关联。

公开(公告)号：US20150012434A1

公开(公告)日：2015-01-08

申请号：US14314742

申请日：2014-06-25

申请人： Christian Aabye ,  Eric Schindewolf

发明人： Christian Aabye ,  Eric Schindewolf

IPC分类号： G06Q20/40

CPC分类号： G06Q20/401 ,  G06Q20/027

摘要： Embodiments of the invention are directed to access transactions. A gate access device may interact with a payment card such as a credit card. The gate access device may generate and transmit a first authorization request message to a payment processing network computer. The first authorization request message does not include an amount for the transaction, but only contains identification information. A first authorization response message is transmitted back to the gate access device. At a later point in time, a second authorization request message containing the transaction amount is transmitted from the gate access device to the issuer, and a response is received from the issuer.

摘要翻译： 本发明的实施例涉及访问事务。 门访问设备可以与诸如信用卡的支付卡交互。 门接入设备可以生成并向支付处理网络计算机发送第一授权请求消息。 第一个授权请求消息不包括交易的金额，但只包含标识信息。 第一授权响应消息被发送回到门接入设备。 在稍后的时间点，包含交易量的第二授权请求消息从门禁设备发送到发行方，并从发行方接收响应。