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    METHODS AND SYSTEMS FOR PROVISIONING MOBILE DEVICES WITH PAYMENT CREDENTIALS
    1.
    发明申请
    METHODS AND SYSTEMS FOR PROVISIONING MOBILE DEVICES WITH PAYMENT CREDENTIALS 审中-公开
    用支付凭证提供移动设备的方法和系统

    公开(公告)号：US20150046339A1

    公开(公告)日：2015-02-12

    申请号：US14455600

    申请日：2014-08-08

    申请人： Erick Wong ,  Kiushan Pirzadeh ,  Oleg Makhotin ,  Glenn Powell ,  Igor Karpenko ,  John Sheets ,  Frederick Liu

    发明人： Erick Wong ,  Kiushan Pirzadeh ,  Oleg Makhotin ,  Glenn Powell ,  Igor Karpenko ,  John Sheets ,  Frederick Liu

    IPC分类号： G06Q20/38 ,  G06Q20/40 ,  G06Q20/32

    摘要： Embodiments are described that are directed to optimizing the provisioning of payment account credentials to mobile devices utilizing mobile wallets. In some embodiments, one of multiple provisioning schemes may be selectively chosen for payment account credential provisioning based upon a determined risk involved with a particular provisioning request. A low risk provisioning request leads to an immediate provisioning of a payment credential, whereas a provisioning request of high risk results in the provisioning request being denied. In some embodiments, medium risk provisioning requests will cause an additional user authentication to be performed before the payment account provisioning is finalized. The additional user authentication may occur using a separate communication channel than the channel in which the provisioning request was received.

    摘要翻译： 描述的实施例旨在优化使用移动钱包的移动设备的支付帐户凭证的提供。 在一些实施例中，可以基于与特定供应请求相关的确定的风险来选择性地选择多个供应方案之一用于支付帐户凭证供应。 低风险提供请求导致立即提供支付凭证，而高风险的供应请求导致供应请求被拒绝。 在一些实施例中，中等风险供应请求将导致在支付帐户供应被最终确定之前执行额外的用户认证。 附加用户认证可以使用与接收供应请求的信道不同的通信信道来进行。

    Secure Remote Payment Transaction Processing Using a Secure Element
    5.
    发明申请
    Secure Remote Payment Transaction Processing Using a Secure Element 有权
    使用安全元素进行安全的远程支付事务处理

    公开(公告)号：US20150052064A1

    公开(公告)日：2015-02-19

    申请号：US14461227

    申请日：2014-08-15

    申请人： Igor Karpenko ,  Oleg Makhotin ,  Kiushan Pirzadeh ,  Glenn Powell ,  John Sheets ,  Erick Wong

    发明人： Igor Karpenko ,  Oleg Makhotin ,  Kiushan Pirzadeh ,  Glenn Powell ,  John Sheets ,  Erick Wong

    IPC分类号： G06Q20/38 ,  G06Q20/32

    CPC分类号： G06Q20/3829 ,  G06Q20/3227 ,  G06Q20/3278 ,  G06Q20/38215 ,  G06Q20/401 ,  G06Q20/409

    摘要： Embodiments of the present invention are directed to methods, apparatuses, computer readable media and systems for securely processing remote transactions. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a mobile device. The method comprises receiving, by a mobile payment application on a secure memory of the mobile device, transaction data from a transaction processor application on the mobile device. The method further comprises validating that the transaction processor application is authentic and in response to validating the transaction processor application, providing encrypted payment credentials to the transaction processor application. The transaction processor application further initiates a payment transaction with a transaction processor server computer using the encrypted payment credentials.

    摘要翻译： 本发明的实施例涉及用于安全地处理远程事务的方法，装置，计算机可读介质和系统。 本发明的一个实施例涉及一种处理由移动设备发起的远程交易的方法。 该方法包括通过移动设备的安全存储器上的移动支付应用从移动设备上的交易处理器应用接收交易数据。 该方法还包括验证交易处理器应用是真实的并且响应于验证交易处理器应用，向交易处理器应用提供加密的支付凭证。 交易处理器应用程序使用加密的支付凭证进一步发起与交易处理器服务器计算机的支付交易。

    SECURE REMOTE PAYMENT TRANSACTION PROCESSING
    6.
    发明申请
    SECURE REMOTE PAYMENT TRANSACTION PROCESSING 审中-公开
    安全远程付款交易处理

    公开(公告)号：US20150019443A1

    公开(公告)日：2015-01-15

    申请号：US14332245

    申请日：2014-07-15

    申请人： John Sheets ,  Kim Wagner ,  Christian Aabye ,  Frederick Liu ,  Igor Karpenko ,  Glenn Powell ,  Kiushan Pirzadeh

    发明人： John Sheets ,  Kim Wagner ,  Christian Aabye ,  Frederick Liu ,  Igor Karpenko ,  Glenn Powell ,  Kiushan Pirzadeh

    IPC分类号： G06Q20/32 ,  G06Q20/38

    CPC分类号： G06Q20/3278 ,  G06Q20/322 ,  G06Q20/3829

    摘要： Embodiments of the present invention are directed to methods, apparatuses, computer readable media and systems for securely processing remote transactions. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a mobile device comprising a server computer receiving a payment request including encrypted payment information. The encrypted payment information being generated by a mobile payment application of the mobile device and being encrypted using a third party key. The method further comprises decrypting the encrypted payment information using the third party key, determining a transaction processor public key associated with the payment information, and re-encrypting the payment information using the transaction processor public key. The method further comprises sending a payment response including the re-encrypted payment information to a transaction processor. The transaction processor decrypts the re-encrypted payment information using a transaction processor private key and initiates a payment transaction.

    摘要翻译： 本发明的实施例涉及用于安全地处理远程事务的方法，装置，计算机可读介质和系统。 本发明的一个实施例涉及一种处理由移动设备发起的远程交易的方法，该移动设备包括服务器计算机接收包括加密支付信息的支付请求。 加密的支付信息由移动设备的移动支付应用程序生成，并使用第三方密钥进行加密。 该方法还包括使用第三方密钥对加密的支付信息进行解密，确定与支付信息相关联的交易处理器公开密钥，以及使用交易处理器公开密钥重新加密支付信息。 该方法还包括向业务处理器发送包括重新加密的支付信息的支付响应。 交易处理器使用交易处理器私钥解密重新加密的支付信息并启动支付交易。

    METHODS AND SYSTEMS FOR PROVISIONING MULTIPLE DEVICES
    7.
    发明申请
    METHODS AND SYSTEMS FOR PROVISIONING MULTIPLE DEVICES 审中-公开
    提供多种设备的方法和系统

    公开(公告)号：US20150195133A1

    公开(公告)日：2015-07-09

    申请号：US14591836

    申请日：2015-01-07

    申请人： John Sheets ,  Glenn Powell ,  Igor Karpenko ,  Erick Wong

    发明人： John Sheets ,  Glenn Powell ,  Igor Karpenko ,  Erick Wong

    IPC分类号： H04L12/24 ,  H04W4/00

    CPC分类号： H04W4/50

    摘要： Embodiments of the present invention are directed to methods, systems, and apparatuses for provisioning account information to a mobile device. In one embodiment, following the provisioning of account information to a first mobile device of a user, a second mobile device of the user may be provisioned without requiring the user to provide account information for the provisioned accounts. In another embodiment, provisioned account information may be stored to a remote database, and subsequently restored to a previously provisioned mobile device or provisioned to a new mobile device.

    摘要翻译： 本发明的实施例涉及用于向移动设备提供帐户信息的方法，系统和装置。 在一个实施例中，在向用户的第一移动设备提供帐户信息之后，可以提供用户的第二移动设备，而不需要用户提供所提供帐户的帐户信息。 在另一个实施例中，所设置的帐户信息可以被存储到远程数据库，并且随后被恢复到先前提供的移动设备或被提供给新的移动设备。

    METHODS AND SYSTEMS FOR PARTIAL PERSONALIZATION DURING APPLICATION UPDATE
    8.
    发明申请
    METHODS AND SYSTEMS FOR PARTIAL PERSONALIZATION DURING APPLICATION UPDATE 审中-公开

    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.

    METHODS AND SYSTEMS FOR PARTIAL PERSONALIZATION DURING MOBILE APPLICATION UPDATE
    10.
    发明申请
    METHODS AND SYSTEMS FOR PARTIAL PERSONALIZATION DURING MOBILE APPLICATION UPDATE 有权
    移动应用程序更新期间部分个性化的方法和系统

    公开(公告)号：US20160103675A1

    公开(公告)日：2016-04-14

    申请号：US14882222

    申请日：2015-10-13

    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： G06F9/44 ,  G06F9/445 ,  H04L29/08

    CPC分类号： G06F8/658 ,  G06F8/65 ,  G06F8/71 ,  G06F9/4451 ,  H04L67/306 ,  H04L67/34 ,  H04W4/50 ,  H04W12/04 ,  H04W12/06 ,  H04W12/10

    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 mobile application on a communication device after updating the mobile application. For example, personalization profiles associated with multiple versions of the mobile application may be stored at an application update provisioning system and the application update provisioning system may determine the appropriate partial provisioning information to update the mobile application for each migration notification. Accordingly, a tailored partial personalization script including only that personalization information that is to be updated for the updated version of the mobile application may be generated and installed to enable new functionality and/or update the information contained within an updated mobile application, without requiring re-personalization of all personalized information into the updated mobile application.

    摘要翻译： 本发明的实施例涉及用于提供部分个性化过程的方法和系统，其允许在更新移动应用之后在通信设备上更有效且有效地个性化移动应用。 例如，与移动应用的多个版本相关联的个性化简档可以存储在应用程序更新提供系统中，并且应用程序更新提供系统可以确定适当的部分供应信息，以便为每个迁移通知更新移动应用程序。 因此，可以生成并安装定制的部分个性化脚本，其仅包括要为移动应用的更新版本更新的个性化信息，以实现新功能和/或更新包含在更新的移动应用中的信息，而不需要re 将所有个性化信息的个性化进入更新的移动应用程序。