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    Method and System for Electronic Wallet Access
    2.
    发明申请
    Method and System for Electronic Wallet Access 审中-公开
    电子钱包存取方法与系统

    公开(公告)号：US20130060618A1

    公开(公告)日：2013-03-07

    申请号：US13225898

    申请日：2011-09-06

    申请人： Loren Barton ,  Eric Crozier ,  Glenn Curtiss McMillen ,  David A. Crake ,  John Bauer ,  Garry R. Lloyd ,  Christine Ann Schuetz

    发明人： Loren Barton ,  Eric Crozier ,  Glenn Curtiss McMillen ,  David A. Crake ,  John Bauer ,  Garry R. Lloyd ,  Christine Ann Schuetz

    IPC分类号： G06Q30/06 ,  G06Q30/02

    CPC分类号： G06Q20/3223 ,  G06Q20/3674

    摘要： A mobile payment system is described that facilitates efficient and secured payment transactions from an electronic wallet on a user portable electronic device with a merchant point of sale terminal over a communication link. In one aspect, a mobile device is configured for transaction operations from a plurality of mobile transaction accounts in an electronic wallet. The mobile device includes a plurality of transaction modules operable to process transaction operations with a respective mobile transaction account, each transaction module configured for transaction operations to be completed after an authentication process using a central authentication module coupled to the plurality of transaction modules, operable to verify a user input passcode and to respond to authentication requests from the plurality of transaction module after the user input passcode is verified. Preferably, at least one of the transaction modules is configured for contactless transaction operations over a contactless communication link.

    摘要翻译： 描述了一种移动支付系统，其便利于通过通信链路具有商户销售点终端的用户便携式电子设备上的电子钱包的有效和安全的支付交易。 在一个方面，移动设备被配置用于从电子钱包中的多个移动交易账户进行交易操作。 移动设备包括可操作以用相应的移动交易帐户处理交易操作的多个交易模块，每个交易模块被配置用于在使用耦合到多个交易模块的中央认证模块的认证过程之后完成交易操作， 验证用户输入密码并在用户输入密码被验证之后响应来自多个交易模块的认证请求。 优选地，交易模块中的至少一个被配置用于通过非接触式通信链路进行非接触式交易操作。

    Method and System for Improved Electronic Wallet Access
    3.
    发明申请
    Method and System for Improved Electronic Wallet Access 审中-公开
    改进电子钱包访问的方法和系统

    公开(公告)号：US20120143706A1

    公开(公告)日：2012-06-07

    申请号：US13247352

    申请日：2011-09-28

    申请人： David A. Crake ,  Glenn Curtiss McMillen ,  Garry R. Lloyd ,  Eric Crozier

    发明人： David A. Crake ,  Glenn Curtiss McMillen ,  Garry R. Lloyd ,  Eric Crozier

    IPC分类号： G06Q20/32 ,  G06Q20/36

    CPC分类号： G06Q20/206 ,  G06Q20/20 ,  G06Q20/3227 ,  G06Q20/36

    摘要： A mobile payment method and system are described that facilitate efficient and secured payment transactions from an electronic wallet on a user mobile electronic device with a merchant point of sale terminal over a contactless communications link. In one aspect, the system provides for a plurality of passcode entry related states on the mobile electronic device. The mobile device transmits a transaction request message including a multi-faceted value identifying a passcode entry related state to a payment processing server. The payment processing server processes the transaction request and when the transaction request is declined for a passcode related reason, a transaction decline response is provided identifying the passcode related reason for decline.

    摘要翻译： 描述了一种移动支付方法和系统，其便利于具有通过无接触通信链路的商户销售点终端的用户移动电子设备上的电子钱包的有效和安全的支付交易。 在一个方面，该系统在移动电子设备上提供多个密码条目相关状态。 移动设备向支付处理服务器发送包括识别密码条目相关状态的多面值的交易请求消息。 支付处理服务器处理交易请求，并且当交易请求因密码相关原因而被拒绝时，提供了交易拒绝响应，以识别与密码相关的拒绝原因。

    METHOD AND SYSTEM FOR SECURE USER REGISTRATION
    6.
    发明申请
    METHOD AND SYSTEM FOR SECURE USER REGISTRATION 审中-公开
    用于安全用户注册的方法和系统

    公开(公告)号：US20120284195A1

    公开(公告)日：2012-11-08

    申请号：US13100610

    申请日：2011-05-04

    申请人： Glenn Curtiss McMillen ,  David A. Crake ,  Garry Lloyd

    发明人： Glenn Curtiss McMillen ,  David A. Crake ,  Garry Lloyd

    IPC分类号： G06Q20/36 ,  G06Q20/10

    CPC分类号： G06Q20/3223 ,  G06Q20/3278 ,  G06Q20/4014 ,  G07F7/1091 ,  H04W4/80 ,  H04W12/06

    摘要： A method and system are described for registering an online account associated with a mobile device configured for contactless payment operations in a mobile payment account system. The method includes generating, by a mobile device, a passcode based at least on an encryption key stored securely in the mobile device. In a computing device, a registration process is initiated to register the online account. The computing device receives user input data identifying a passcode generated by the mobile device. An online account server stores online account data defining a user account associated the mobile device, the online account data including a data defining an encryption key. The online account server receives user input data identifying the passcode generated by the mobile device, generates a passcode based at least on the encryption key stored in the online account server, compares the received generated passcode to the passcode generated by the online account server, and verifies the user account associated the mobile device when the generated passcodes match.

    摘要翻译： 描述了一种方法和系统，用于在移动支付账户系统中注册与配置用于非接触式支付操作的移动设备相关联的在线账户。 该方法包括至少基于安全地存储在移动设备中的加密密钥来生成由移动设备产生的密码。 在计算设备中，启动注册过程以注册在线帐户。 计算设备接收用于识别由移动设备生成的密码的用户输入数据。 在线帐户服务器存储定义与移动设备相关联的用户帐户的在线帐户数据，该在线帐户数据包括定义加密密钥的数据。 在线帐户服务器接收用于识别由移动装置产生的密码的用户输入数据，至少基于存储在在线帐户服务器中的加密密钥生成密码，将接收到的生成密码与在线帐号服务器生成的密码进行比较， 当生成的密码匹配时，验证与移动设备相关联的用户帐户。

    METHOD AND SYSTEM FOR ELECTRONIC WALLET ACCESS
    7.
    发明申请
    METHOD AND SYSTEM FOR ELECTRONIC WALLET ACCESS 审中-公开
    电子钱包访问方法与系统

    公开(公告)号：US20120095852A1

    公开(公告)日：2012-04-19

    申请号：US12905419

    申请日：2010-10-15

    申请人： John Bauer ,  Glenn Curtiss McMillen ,  Eric Crozier ,  Christine Ann Schuetz ,  Garry Lloyd

    发明人： John Bauer ,  Glenn Curtiss McMillen ,  Eric Crozier ,  Christine Ann Schuetz ,  Garry Lloyd

    IPC分类号： G06Q20/00

    CPC分类号： G06Q20/105 ,  G06Q20/20 ,  G06Q20/3223 ,  G06Q20/3227 ,  H04L63/083 ,  H04W12/06

    摘要： A mobile payment method, system and graphical user interface are described that facilitate efficient and secured payment transactions from an electronic wallet on a user portable electronic device with a merchant point of sale terminal over a contactless communications link. In one aspect, the electronic wallet includes a flag indicating whether input of the passcode is required to access the electronic wallet, which flag can be set by a remote device. In another aspect, a shortcut is provided to directly execute the payment features of the electronic wallet application software.

    摘要翻译： 描述了一种移动支付方法，系统和图形用户界面，其促进来自具有商业销售点终端的无线通信链路的用户便携式电子设备上的电子钱包的有效和安全的支付交易。 在一个方面，电子钱包包括指示是否需要输入密码以访问电子钱包的标志，哪个标志可由远程设备设置。 另一方面，提供快捷方式来直接执行电子钱包应用软件的支付功能。