公开(公告)号：US20170286663A1

公开(公告)日：2017-10-05

申请号：US15171982

申请日：2016-06-02

申请人： Simon Hurry ,  Aron Clark ,  Marc Cleven

发明人： Simon Hurry ,  Aron Clark ,  Marc Cleven

IPC分类号： G06F21/35 ,  G06F21/60

CPC分类号： G06F21/34 ,  G06F21/35 ,  G06F21/602 ,  G06F2221/2141 ,  G06Q20/409 ,  H04L63/0853

摘要： Methods and systems for facilitating a transaction are provided. A transaction involving an integrated circuit user device in contact with an access device is processed in less time, such that the user device can be removed at an earlier time. In embodiments, an access device provides an estimated value to a user device such that a cryptogram can be generated without waiting for a final value. Additionally, the access device can store user device data and then complete the transaction with the user device before authorizing the transaction, such that the user device can be removed without waiting for an authorization response.

公开(公告)号：US20150235211A1

公开(公告)日：2015-08-20

申请号：US14700697

申请日：2015-04-30

申请人： Simon Hurry ,  Christian Aabye

发明人： Simon Hurry ,  Christian Aabye

IPC分类号： G06Q20/38 ,  G06Q20/40

CPC分类号： G06Q20/3823 ,  G06Q20/3829 ,  G06Q20/40975 ,  H04L9/12 ,  H04L9/3234 ,  H04L2209/04 ,  H04L2209/56 ,  H04L2209/80

摘要： A method is disclosed. The method includes generating an obfuscated portion using a dynamic cryptogram unique to a transaction, where the dynamic cryptogram is determined using a uniquely derived key. The method also includes replacing a middle portion of the account identifier with the obfuscated portion to form an obfuscated account identifier.

公开(公告)号：US20110173684A1

公开(公告)日：2011-07-14

申请号：US13005137

申请日：2011-01-12

申请人： Simon Hurry ,  Ayman Hammad

发明人： Simon Hurry ,  Ayman Hammad

IPC分类号： G06F21/00

CPC分类号： G06Q20/3829 ,  G06F21/33 ,  G06F21/34 ,  G06F2221/2129

摘要： Systems and method for producing, validating, and registering authentic verification tokens are disclosed. Such systems and methods include generating verification token specific key pairs. The key pairs can be signed by a verification token manufacturer master key or public key certificate for an additional level of authenticity. Related methods and systems for authenticating and registering authorized verification token manufacturers are also disclosed. Once a verification token manufacturer is authenticated, it can be assigned a manufacturer-specific key pair or certificate and in some cases, a predetermined set of serial numbers to assign to the verification tokens it produces. Each serial number can be used to generate a verification token specific key pair specific to the associated verification token. One component of the verification token key pair can be stored to the verification token. Optionally, the component of the verification token key pair stored to the verification token can be signed by the manufacturer specific master key or certificate and stored a verification token public certificate.

摘要翻译： 公开了用于产生，验证和注册真实验证令牌的系统和方法。 这样的系统和方法包括生成验证令牌特定密钥对。 密钥对可以通过验证令牌制造商主密钥或公共密钥证书进行签名，以获得额外的真实性。 还公开了用于认证和注册授权验证令牌制造商的相关方法和系统。 一旦验证令牌制造商被认证，它可以被分配给制造商特定的密钥对或证书，并且在某些情况下，分配给一组预定的序列号以分配给它产生的验证令牌。 可以使用每个序列号来生成特定于相关联的验证令牌的验证令牌特定密钥对。 验证令牌密钥对的一个组件可以存储到验证令牌。 可选地，存储到验证令牌的验证令牌密钥对的组件可以由制造商特定的主密钥或证书签名，并存储验证令牌公共证书。

公开(公告)号：USRE39204E1

公开(公告)日：2006-07-25

申请号：US10325906

申请日：2002-12-23

申请人： Simon Hurry ,  Jonathan L. Williams

发明人： Simon Hurry ,  Jonathan L. Williams

IPC分类号： A24F25/00 ,  A61L9/00

CPC分类号： A61L9/048 ,  A61L9/12

摘要： The present invention is drawn to a device for perfuming ambient air or closed spaces. An active volatile substance, like a perfume, an insect repellent or a deodorizing or sanitizing agent, is evaporated from a device. The said device comprises water or an appropriate hydrophilic solvent containing said volatile the active ingredient and an absorbing material chosen from superabsorbents, starch based systems, chemically modified cellulose and natural gum and volatile substance and a superabsorbent substance which are is capable of forming a gel with water or said the hydrophilic solvent, both components being adapted to be mixed with each other in order to achieve the diffusion of said the active volatile ingredient substance from the said gel. The components are mixed with each other to form said the gel from which the perfume or a deodorizing or sanitizing agent, or an insect repellent, active volatile substance diffuses uniformly and over a prolonged period of time into the surrounding air.

公开(公告)号：US20180314814A1

公开(公告)日：2018-11-01

申请号：US16030735

申请日：2018-07-09

申请人： Simon Hurry ,  Aron Clark ,  Marc Cleven

发明人： Simon Hurry ,  Aron Clark ,  Marc Cleven

IPC分类号： G06F21/34 ,  G06F21/60 ,  G06Q20/40

CPC分类号： G06F21/34 ,  G06F21/35 ,  G06F21/602 ,  G06F2221/2141 ,  G06Q20/409 ,  H04L63/0853

摘要： Methods and systems for facilitating a transaction are provided. A transaction involving an integrated circuit user device in contact with an access device is processed in less time, such that the user device can be removed at an earlier time. In embodiments, an access device provides an estimated value to a user device such that a cryptogram can be generated without waiting for a final value. Additionally, the access device can store user device data and then complete the transaction with the user device before authorizing the transaction, such that the user device can be removed without waiting for an authorization response.

公开(公告)号：US20180285980A1

公开(公告)日：2018-10-04

申请号：US15937779

申请日：2018-03-27

申请人： Simon Hurry

发明人： Simon Hurry

IPC分类号： G06Q40/08 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q50/22

CPC分类号： G06Q40/08 ,  G06Q20/38215 ,  G06Q20/3823 ,  G06Q20/3825 ,  G06Q20/40 ,  G06Q50/22

摘要： Embodiments of the invention relate to systems and methods for provisioning and using a multi-purpose device. The device contains information regarding a plurality of memberships. The device contains one or more membership certificate chains, comprising multiple certificates, wherein a membership provider certificate is signed by a private key associated with a membership root certificate authority, and wherein a member certificate is signed by a private key associated with the membership provider certificate. The member certificate includes member attributes regarding the user, such as member benefit information. The device also includes a payment certificate chain, comprising multiple certificates, wherein a payment provider certificate is signed by a private key associated with a payment root certificate authority, and wherein a payment certificate is signed by a private key associated with the payment provider certificate. The payment certificate includes payment attributes regarding the user, such as a payment account.

公开(公告)号：US20140019364A1

公开(公告)日：2014-01-16

申请号：US13937042

申请日：2013-07-08

申请人： Simon Hurry ,  Ayman Hammad

发明人： Simon Hurry ,  Ayman Hammad

IPC分类号： G06Q20/38

摘要： Systems and method for producing, validating, and registering authentic verification tokens are disclosed. Such systems and methods include generating verification token specific key pairs. The key pairs can be signed by a verification token manufacturer master key or public key certificate for an additional level of authenticity. Related methods and systems for authenticating and registering authorized verification token manufacturers are also disclosed. Once a verification token manufacturer is authenticated, it can be assigned a manufacturer-specific key pair or certificate and in some cases, a predetermined set of serial numbers to assign to the verification tokens it produces. Each serial number can be used to generate a verification token specific key pair specific to the associated verification token. One component of the verification token key pair can be stored to the verification token. Optionally, the component of the verification token key pair stored to the verification token can be signed by the manufacturer specific master key or certificate and stored a verification token public certificate.

摘要翻译： 公开了用于产生，验证和注册真实验证令牌的系统和方法。 这样的系统和方法包括生成验证令牌特定密钥对。 密钥对可以通过验证令牌制造商主密钥或公共密钥证书进行签名，以获得额外的真实性。 还公开了用于认证和注册授权验证令牌制造商的相关方法和系统。 一旦验证令牌制造商被认证，它可以被分配给制造商特定的密钥对或证书，并且在某些情况下，分配给一组预定的序列号以分配给它产生的验证令牌。 可以使用每个序列号来生成特定于相关联的验证令牌的验证令牌特定密钥对。 验证令牌密钥对的一个组件可以存储到验证令牌。 可选地，存储到验证令牌的验证令牌密钥对的组件可以由制造商特定的主密钥或证书签名，并存储验证令牌公共证书。

公开(公告)号：US08620823B2

公开(公告)日：2013-12-31

申请号：US13764183

申请日：2013-02-11

申请人： Simon Hurry

发明人： Simon Hurry

IPC分类号： G06Q40/00

CPC分类号： G06Q20/105 ,  G06Q20/26 ,  G06Q20/3227 ,  G06Q20/346 ,  G06Q20/3552 ,  G06Q20/40 ,  G07F7/1008 ,  H04N21/2542 ,  H04N21/2543 ,  H04N21/4182 ,  H04N21/42684 ,  H04N21/47815

摘要： A server is operable to receive a media device identifying number (ID) and to create an established association between the media device with a payment account and to support at least one of payment authorization and payment clearing based at least in part on the media device ID and the payment account. The server is further operable to produce the payment account information to a smart card personalization service server to facilitate creation of a smart card with the payment account information that is associated with the media device. The server is also operable to produce the media device ID to the smart card personalization service server to facilitate creation of a smart card with the payment account information based in part on the media device ID.

摘要翻译： 服务器可操作以接收识别号码（ID）的媒体设备，并且在媒体设备与支付帐户之间建立建立的关联，并至少部分地基于媒体设备ID来支持支付授权和支付清除中的至少一个 和付款帐户。 服务器还可操作以向智能卡个性化服务服务器产生支付帐户信息，以利用与媒体设备相关联的支付帐户信息创建智能卡。 服务器还可操作以向智能卡个性化服务服务器产生媒体设备ID，以便于部分地基于媒体设备ID的支付帐户信息来创建智能卡。

公开(公告)号：US08516560B2

公开(公告)日：2013-08-20

申请号：US12355458

申请日：2009-01-16

申请人： John F. Sheets ,  Simon Hurry

发明人： John F. Sheets ,  Simon Hurry

IPC分类号： G06F7/04 ,  H04L9/32

CPC分类号： H04L9/3226 ,  G06Q20/20 ,  G06Q20/3278 ,  G06Q20/382 ,  G06Q20/3825 ,  G06Q20/385 ,  H04L9/3236 ,  H04L63/083 ,  H04L63/12 ,  H04L2209/56 ,  H04L2209/805

摘要： A method for securely authenticating a user of a portable consumer device at an access device comprising the following steps. First, a dynamic data element and a first set of transactional information is sent to the portable consumer device from the access device. Next, the portable consumer device creates an authentication code as a function of at least the dynamic data element, a subset of the first set of transactional information, and a password. The authentication code, along with other data, is then sent from the portable consumer device back to the access device. The access device then uses the authentication code to send an authentication request message to the service provider of the user. The service provider then attempts to authenticate the user by recreating the authentication code and comparing the recreated authentication code with the authentication code received from the access device.

摘要翻译： 一种用于在访问设备处安全地认证便携式消费者设备的用户的方法，包括以下步骤。 首先，将动态数据元素和第一组事务信息从接入设备发送到便携式消费者设备。 接下来，便携式消费者装置创建作为至少动态数据元素，第一组事务信息的子集和密码的函数的认证码。 然后将认证码与其他数据一起从便携式消费者设备发回到接入设备。 然后，接入设备使用认证码向用户的服务提供商发送认证请求消息。 然后，服务提供商尝试通过重新创建认证码并将重新创建的认证码与从接入设备接收的认证码进行比较来认证用户。

公开(公告)号：US20130197946A1

公开(公告)日：2013-08-01

申请号：US13707431

申请日：2012-12-06

申请人： Simon Hurry

发明人： Simon Hurry

IPC分类号： G06Q40/08 ,  G06Q50/22

CPC分类号： G06Q40/08 ,  G06Q20/38215 ,  G06Q20/3823 ,  G06Q20/3825 ,  G06Q20/40 ,  G06Q50/22

摘要： Embodiments of the invention relate to systems and methods for provisioning and using a multi-purpose device. The device contains information regarding a plurality of memberships. The device contains one or more membership certificate chains, comprising multiple certificates, wherein a membership provider certificate is signed by a private key associated with a membership root certificate authority, and wherein a member certificate is signed by a private key associated with the membership provider certificate. The member certificate includes member attributes regarding the user, such as member benefit information. The device also includes a payment certificate chain, comprising multiple certificates, wherein a payment provider certificate is signed by a private key associated with a payment root certificate authority, and wherein a payment certificate is signed by a private key associated with the payment provider certificate. The payment certificate includes payment attributes regarding the user, such as a payment account.

摘要翻译： 本发明的实施例涉及用于提供和使用多功能设备的系统和方法。 该设备包含关于多个成员资格的信息。 该设备包含一个或多个成员证书链，包括多个证书，其中成员资格提供者证书由与成员根证书颁发机构相关联的私有密钥签名，并且其中成员证书由与该成员资格提供者证书相关联的私钥签名 。 会员证书包括关于用户的成员属性，例如会员利益信息。 该设备还包括支付证书链，其包括多个证书，其中支付提供者证书由与支付根证书颁发机构相关联的私钥签名，并且其中支付证书由与支付提供者证书相关联的私钥签名。 支付证书包括关于用户的付款属性，例如支付帐户。