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1.发明申请公开(公告)号：US20150120556A1
公开(公告)日：2015-04-30
申请号：US14469560
申请日：2014-08-26
Applicant: GOOGLE INC.
Inventor： Justin Lee Brickell , Jonathan Kingsley Blatter , Bobby Wieler , Harry Lee Butler, IV , Ignacio Carlos Blanco , Denis Lila
CPC classification number: H04L63/123 , G06F21/45 , G06Q20/3227 , G06Q20/3278 , G06Q20/385 , G06Q20/40
Abstract: An account management system creates a bundle of private application transaction counters (ATCs) and a bundle of corresponding public ATCs, and transmits them to a user device. The device receives a request for payment information from a merchant and processes the request without accessing a secure element processor on the device. The device calculates a security code using one of the bundle of private ATCs and a transaction number received from the merchant. The device transmits proxy account information, the calculated security code, and the corresponding public ATCs to the merchant. The merchant transmits a payment request to the account management system as the issuer of the proxy account information. The account management system retrieves the private ATC using the public ATC, and determines the validity of the security code by recomputing it. The account management system retrieves the financial account information and requests authorization from the issuer.
Abstract translation: 帐户管理系统创建一组私有应用程序交易计数器（ATC）和一组相应的公共ATC，并将其传输到用户设备。 设备从商家接收对付款信息的请求，并处理该请求而不访问设备上的安全元件处理器。 该设备使用一组私有ATC和从商家接收的交易号码来计算安全码。 设备将代理帐户信息，计算的安全码和相应的公共ATC发送给商家。 商家向账户管理系统发送支付请求作为代理帐户信息的发行者。 帐户管理系统使用公共ATC检索私有ATC，并通过重新计算确定安全码的有效性。 帐户管理系统检索财务帐户信息，并请求发行人的授权。
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2.发明授权公开(公告)号：US08930274B1
公开(公告)日：2015-01-06
申请号：US14133591
申请日：2013-12-18
Applicant: Google Inc.
Inventor： Justin Lee Brickell , Jonathan Kingsley Blatter , Bobby Wieler , Harry Lee Butler, IV , Ignacio Carlos Blanco , Denis Lila
CPC classification number: H04L63/123 , G06F21/45 , G06Q20/3227 , G06Q20/3278 , G06Q20/385 , G06Q20/40
Abstract: An account management system creates a bundle of private application transaction counters (ATCs) and a bundle of corresponding public ATCs, and transmits them to a user device. The device receives a request for payment information from a merchant and processes the request without accessing a secure element processor on the device. The device calculates a security code using one of the bundle of private ATCs and a transaction number received from the merchant. The device transmits proxy account information, the calculated security code, and the corresponding public ATCs to the merchant. The merchant transmits a payment request to the account management system as the issuer of the proxy account information. The account management system retrieves the private ATC using the public ATC, and determines the validity of the security code by recomputing it. The account management system retrieves the financial account information and requests authorization from the issuer.
Abstract translation: 帐户管理系统创建一组私有应用程序交易计数器（ATC）和一组相应的公共ATC，并将其传输到用户设备。 设备从商家接收对付款信息的请求，并处理该请求而不访问设备上的安全元件处理器。 该设备使用一组私有ATC和从商家接收的交易号码来计算安全码。 设备将代理帐户信息，计算的安全码和相应的公共ATC发送给商家。 商家向账户管理系统发送支付请求作为代理帐户信息的发行者。 帐户管理系统使用公共ATC检索私有ATC，并通过重新计算确定安全码的有效性。 帐户管理系统检索财务帐户信息，并请求发行人的授权。
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公开(公告)号：US20170104765A1
公开(公告)日：2017-04-13
申请号：US15333944
申请日：2016-10-25
Applicant: GOOGLE INC.
Inventor： Justin Lee Brickell , Jonathan Kingsley Blatter , Bobby Wieler , Harry Lee Butler, IV , Ignacio Carlos Blanco , Denis Lila
CPC classification number: H04L63/123 , G06F21/45 , G06Q20/3227 , G06Q20/3278 , G06Q20/385 , G06Q20/40
Abstract: A bundle of public counters and a corresponding bundle of private counters are created and transmitted to a user device. The user device receives a request and processes the request without accessing a secure element processor on the user device. The user device calculates a security code using the private counter and a number. The user device transmits the calculated security code and one of the bundle of public counters in response to the request. A receiver of the response to the request determines the validity of the public counter and looks up the corresponding private counter using the public counter. The receiver determines the validity of the security code by recomputing it using the private counter and the number.
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