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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.
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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
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。
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公开(公告)号：US20190074866A1
公开(公告)日：2019-03-07
申请号：US16130931
申请日：2018-09-13
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
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.
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公开(公告)号：US20150149270A1
公开(公告)日：2015-05-28
申请号：US14611091
申请日：2015-01-30
申请人： Oleg Makhotin , Trudy Hill , Erick Wong , Oleg Makarenko , Hao Ngo , Christian Aabye , William Alexander Thaw
发明人： Oleg Makhotin , Trudy Hill , Erick Wong , Oleg Makarenko , Hao Ngo , Christian Aabye , William Alexander Thaw
CPC分类号： G06Q20/322 , G06Q20/10 , G06Q20/105 , G06Q20/202 , G06Q20/32 , G06Q20/3226 , G06Q20/3229 , G06Q20/327 , G06Q20/3278 , G06Q20/34 , G06Q20/3563 , G06Q20/357 , G06Q20/3574 , G06Q30/0226 , G06Q30/0641 , G07F7/10
摘要： An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.
摘要翻译： 支付设备的接口和设备架构。 安装在支付设备中的支付应用程序和还安装在支付设备中的一个或多个增值应用程序（例如忠诚度程序，转接应用程序等）之间的界面。 API或接口设计允许支付应用程序和一个或多个增值应用程序之间的通信和数据传输。 这减少了（并且在某些情况下可能阻止）需要后端服务器处理可能与支付交易和增值应用程序的功能相关的数据。 类似地，相同或另一个API或接口可以实现增值应用和支付应用之间的通信和数据传输。
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公开(公告)号：US09092769B2
公开(公告)日：2015-07-28
申请号：US13658935
申请日：2012-10-24
申请人： Oleg Makhotin , Trudy Hill , Erick Wong , Oleg Makarenko , Hao Ngo , Christian Aabye , William Alexander Thaw
发明人： Oleg Makhotin , Trudy Hill , Erick Wong , Oleg Makarenko , Hao Ngo , Christian Aabye , William Alexander Thaw
CPC分类号： G06Q20/322 , G06Q20/10 , G06Q20/105 , G06Q20/202 , G06Q20/32 , G06Q20/3226 , G06Q20/3229 , G06Q20/327 , G06Q20/3278 , G06Q20/34 , G06Q20/3563 , G06Q20/357 , G06Q20/3574 , G06Q30/0226 , G06Q30/0641 , G07F7/10
摘要： An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.
摘要翻译： 支付设备的接口和设备架构。 安装在支付设备中的支付应用程序和还安装在支付设备中的一个或多个增值应用程序（例如忠诚度程序，转接应用程序等）之间的界面。 API或接口设计允许支付应用程序和一个或多个增值应用程序之间的通信和数据传输。 这减少了（并且在某些情况下可能阻止）需要后端服务器处理可能与支付交易和增值应用程序的功能相关的数据。 类似地，相同或另一个API或接口可以实现增值应用和支付应用之间的通信和数据传输。
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公开(公告)号：US20120022973A1
公开(公告)日：2012-01-26
申请号：US13149553
申请日：2011-05-31
申请人： Oleg Makhotin , Trudy Hill , Erick Wong , Oleg Makerenko , Hao Ngo , Christian Aabye , William Alexander Thaw
发明人： Oleg Makhotin , Trudy Hill , Erick Wong , Oleg Makerenko , Hao Ngo , Christian Aabye , William Alexander Thaw
IPC分类号： G06Q40/00
CPC分类号： G06Q20/322 , G06Q20/10 , G06Q20/105 , G06Q20/202 , G06Q20/32 , G06Q20/3226 , G06Q20/3229 , G06Q20/327 , G06Q20/3278 , G06Q20/34 , G06Q20/3563 , G06Q20/357 , G06Q20/3574 , G06Q30/0226 , G06Q30/0641 , G07F7/10
摘要： An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.
摘要翻译： 支付设备的接口和设备架构。 安装在支付设备中的支付应用程序和还安装在支付设备中的一个或多个增值应用程序（例如忠诚度程序，转接应用程序等）之间的界面。 API或接口设计允许支付应用程序和一个或多个增值应用程序之间的通信和数据传输。 这减少了（并且在某些情况下可能阻止）需要后端服务器处理可能与支付交易和增值应用程序的功能相关的数据。 类似地，相同或另一个API或接口可以实现增值应用和支付应用之间的通信和数据传输。
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公开(公告)号：US20180068296A1
公开(公告)日：2018-03-08
申请号：US15810710
申请日：2017-11-13
申请人： Oleg Makhotin , Trudy Hill , Erick Wong , Oleg Makarenko , Hao Ngo , Christian Aabye , William Alexander Thaw
发明人： Oleg Makhotin , Trudy Hill , Erick Wong , Oleg Makarenko , Hao Ngo , Christian Aabye , William Alexander Thaw
摘要： An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.
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公开(公告)号：US20130046588A1
公开(公告)日：2013-02-21
申请号：US13658935
申请日：2012-10-24
申请人： Oleg Makhotin , Trudy Hill , Erick Wong , Oleg Makarenko , Hao Ngo , Christian Aabye , William Alexander Thaw
发明人： Oleg Makhotin , Trudy Hill , Erick Wong , Oleg Makarenko , Hao Ngo , Christian Aabye , William Alexander Thaw
CPC分类号： G06Q20/322 , G06Q20/10 , G06Q20/105 , G06Q20/202 , G06Q20/32 , G06Q20/3226 , G06Q20/3229 , G06Q20/327 , G06Q20/3278 , G06Q20/34 , G06Q20/3563 , G06Q20/357 , G06Q20/3574 , G06Q30/0226 , G06Q30/0641 , G07F7/10
摘要： An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.
摘要翻译： 支付设备的接口和设备架构。 安装在支付设备中的支付应用程序和还安装在支付设备中的一个或多个增值应用程序（例如忠诚度程序，转接应用程序等）之间的界面。 API或接口设计允许支付应用程序和一个或多个增值应用程序之间的通信和数据传输。 这减少了（并且在某些情况下可能阻止）需要后端服务器处理可能与支付交易和增值应用程序的功能相关的数据。 类似地，相同或另一个API或接口可以实现增值应用和支付应用之间的通信和数据传输。
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公开(公告)号：US08321345B2
公开(公告)日：2012-11-27
申请号：US13149553
申请日：2011-05-31
申请人： Oleg Makhotin , Trudy Hill , Erick Wong , Oleg Makarenko , Hao Ngo , Christian Aabye , William Alexander Thaw
发明人： Oleg Makhotin , Trudy Hill , Erick Wong , Oleg Makarenko , Hao Ngo , Christian Aabye , William Alexander Thaw
CPC分类号： G06Q20/322 , G06Q20/10 , G06Q20/105 , G06Q20/202 , G06Q20/32 , G06Q20/3226 , G06Q20/3229 , G06Q20/327 , G06Q20/3278 , G06Q20/34 , G06Q20/3563 , G06Q20/357 , G06Q20/3574 , G06Q30/0226 , G06Q30/0641 , G07F7/10
摘要： An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.
摘要翻译： 支付设备的接口和设备架构。 安装在支付设备中的支付应用程序和还安装在支付设备中的一个或多个增值应用程序（例如忠诚度程序，转接应用程序等）之间的界面。 API或接口设计允许支付应用程序和一个或多个增值应用程序之间的通信和数据传输。 这减少了（并且在某些情况下可能阻止）需要后端服务器处理可能与支付交易和增值应用程序的功能相关的数据。 类似地，相同或另一个API或接口可以实现增值应用和支付应用之间的通信和数据传输。
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公开(公告)号：US20150339664A1
公开(公告)日：2015-11-26
申请号：US14719014
申请日：2015-05-21
CPC分类号： G06Q20/3829 , G06Q20/401 , G06Q2220/00 , H04L9/3234 , H04L9/3236 , H04L9/3247 , H04L9/3263 , H04L9/3297 , H04L63/0823 , H04L63/126 , H04L2209/56 , H04W4/60 , H04W12/06 , H04W12/10
摘要： Techniques for enhancing the security of a communication device when conducting a transaction using the communication device may include using a limited-use key (LUK) to generate a transaction cryptogram, and using a signature key to generate a signature. The transaction can be an offline data authentication transaction, and access can be granted based on authentication of the signature prior to verifying the transaction cryptogram.
摘要翻译： 用于在使用通信设备进行交易时增强通信设备的安全性的技术可以包括使用有限使用密钥（LUK）来生成交易密码，并且使用签名密钥来生成签名。 事务可以是离线数据认证交易，并且可以在验证交易密码之前基于签名的认证来授予访问权限。
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