公开(公告)号：US20140344155A1

公开(公告)日：2014-11-20

申请号：US14280498

申请日：2014-05-16

申请人： Frederick Liu ,  Shaw Li ,  Glenn Powell ,  Mark Nelsen

发明人： Frederick Liu ,  Shaw Li ,  Glenn Powell ,  Mark Nelsen

IPC分类号： G06Q20/40 ,  G06Q20/32

CPC分类号： G06Q20/4016 ,  G06Q20/322 ,  G06Q20/40

摘要： Methods and systems for providing data retrieved and analyzed as part of an authentication process for a user device to other entities of a transaction system are disclosed. This data can be used by other entities of the transaction system to enable more secure authorization processes for transactions. A risk score generated for a payment application server computer and the data used to generate the risk score can be leveraged to provide an issuer with more detailed data to ensure that the user engaging in a transaction is authenticated and that transactions being processed by the issuer are not fraudulent.

摘要翻译： 公开了用于提供作为用户设备到交易系统的其他实体的认证过程的一部分检索和分析的数据的方法和系统。 该数据可以由事务系统的其他实体使用，以实现事务的更安全的授权流程。 可以利用为支付应用服务器计算机生成的风险分数和用于生成风险分数的数据，以向发行者提供更详细的数据，以确保参与交易的用户被认证，并且由发行者处理的交易是 不欺诈

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。

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。

公开(公告)号：US20170270528A1

公开(公告)日：2017-09-21

申请号：US15074941

申请日：2016-03-18

申请人： Gyan Prakash ,  Ajit Gaddam ,  Glenn Powell ,  Taeho Kgil ,  Christian Aabye

发明人： Gyan Prakash ,  Ajit Gaddam ,  Glenn Powell ,  Taeho Kgil ,  Christian Aabye

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

CPC分类号： G06Q20/4016 ,  G06Q20/3224

摘要： Described herein is a platform and method for determining a confidence level associated with a transaction that utilizes dynamic data. In some embodiments, the confidence level is determined based on location data received in relation to the transaction. For example, some embodiments are directed to storing first location information collected from a mobile device provided in a request for the dynamic data, receiving second location information related to a transaction conducted using the dynamic data, and comparing the two with respect to the amount of time that has elapsed between collection of each to determine a confidence level associated with a likelihood that the transaction is authentic.

公开(公告)号：US20170221054A1

公开(公告)日：2017-08-03

申请号：US15421891

申请日：2017-02-01

申请人： Christian Flurscheim ,  Glenn Powell ,  Christian Aabye ,  Jalpesh Chitalia ,  Erick Wong

发明人： Christian Flurscheim ,  Glenn Powell ,  Christian Aabye ,  Jalpesh Chitalia ,  Erick Wong

IPC分类号： G06Q20/38 ,  G06K7/14 ,  G06Q20/40 ,  G06Q20/32

CPC分类号： G06Q20/385 ,  G06K7/1417 ,  G06Q20/3276 ,  G06Q20/4018

摘要： Embodiments of the present invention relate to systems and methods that allow users to use their communication devices to perform transactions (e.g., payment transactions, access transactions, etc.). To complete a transaction, a resource provider electronically generates a code representing transaction data and displays it on an access device. The user scans the code with his or her communication device using a camera associated with the communication device, for example. The code is interpreted by an application on the communication device. The user may request and receive a token at the communication device corresponding to sensitive information selected to perform the transaction (e.g., a primary account number). The user may then provide the token and the transaction data via the communication device to a server computer, which may facilitate completion of the transaction between the user and the resource provider using the transaction data and the token.

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。

公开(公告)号：US20160094991A1

公开(公告)日：2016-03-31

申请号：US14935091

申请日：2015-11-06

申请人： Glenn Powell ,  John F. Sheets

发明人： Glenn Powell ,  John F. Sheets

IPC分类号： H04W12/06 ,  H04L29/06

CPC分类号： H04W12/06 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q20/405 ,  H04L63/0428 ,  H04W12/0023 ,  H04W12/0027 ,  H04W12/04 ,  H04W12/0608

摘要： A method and system for provisioning access data in a second application on a mobile device using a first application on the mobile device. Authentication data may be input into the first application, and an authentication code may be requested from a remote server. The authentication code may include access data to be provisioned, in encrypted form. After the authentication code is received by the first application in the mobile device, it can pass the authentication code to a second application that initiates an access data provisioning process.

摘要翻译： 一种在移动设备上使用移动设备上的第一应用在第二应用中提供访问数据的方法和系统。 验证数据可以被输入到第一应用中，并且可以从远程服务器请求认证码。 验证码可以包括以加密形式提供的访问数据。 在移动设备中的第一应用程序接收到认证码之后，它可以将认证码传递给发起访问数据提供处理的第二应用。

公开(公告)号：US20150199679A1

公开(公告)日：2015-07-16

申请号：US14595843

申请日：2015-01-13

申请人： Karthikeyan Palanisamy ,  Glenn Powell ,  Prasanna Laxminarayanan

发明人： Karthikeyan Palanisamy ,  Glenn Powell ,  Prasanna Laxminarayanan

IPC分类号： G06Q20/36

CPC分类号： G06Q20/385 ,  G06Q20/34

摘要： An issuer computer may store a primary account number, and may generate a series of first payment tokens for a plurality of payment devices used by a consumer. The issuer computer may then provide the first payment tokens to a payment processing server computer. The payment processing server computer may then generate a plurality of second payment tokens corresponding to the first payment tokens. The second payment tokens may then be provisioned onto the consumer's payment devices.

摘要翻译： 发行者计算机可以存储主帐号，并且可以为消费者使用的多个支付装置生成一系列第一支付令牌。 然后，发行者计算机可以向支付处理服务器计算机提供第一支付令牌。 然后，支付处理服务器计算机可以生成对应于第一支付令牌的多个第二支付令牌。 然后可以将第二付款令牌设置到消费者的支付设备上。

公开(公告)号：US20150032627A1

公开(公告)日：2015-01-29

申请号：US14340464

申请日：2014-07-24

申请人： Matthew Dill ,  Prasanna Laxminarayanan ,  Glenn Powell ,  John Sheets ,  Andrew Carpenter

发明人： Matthew Dill ,  Prasanna Laxminarayanan ,  Glenn Powell ,  John Sheets ,  Andrew Carpenter

IPC分类号： G06Q20/40

CPC分类号： G06Q20/385 ,  G06Q20/40 ,  G06Q20/4016 ,  H04L9/32 ,  H04L2209/42 ,  H04L2209/56

摘要： Systems and methods for interoperable network token processing are provided. A network token system provides a platform that can be leveraged by external entities (e.g., third party wallets, e-commerce merchants, payment enablers/payment service providers, etc.) or internal payment processing network systems that have the need to use the tokens to facilitate payment transactions. A token registry vault can provide interfaces for various token requestors (e.g., mobile device, issuers, merchants, mobile wallet providers, etc.), merchants, acquirers, issuers, and payment processing network systems to request generation, use and management of tokens. The network token system further provides services such as card registration, token generation, token issuance, token authentication and activation, token exchange, and token life-cycle management.

摘要翻译： 提供了可互操作的网络令牌处理的系统和方法。 网络令牌系统提供可以由外部实体（例如，第三方钱包，电子商务商家，支付使能者/支付服务提供商等）或需要使用令牌的内部支付处理网络系统来利用的平台 以方便支付交易。 令牌注册表库可以为令牌的生成，使用和管理提供各种令牌请求者（例如，移动设备，发行商，商家，移动钱包提供商等），商家，获取者，发行者和支付处理网络系统的接口。 网络令牌系统还提供诸如卡注册，令牌生成，令牌发行，令牌认证和激活，令牌交换和令牌生命周期管理等服务。

公开(公告)号：US20170221056A1

公开(公告)日：2017-08-03

申请号：US15490191

申请日：2017-04-18

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 ,  G06Q20/40

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.