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    METHODS AND SYSTEMS FOR PROVISIONING MOBILE DEVICES WITH PAYMENT CREDENTIALS
    3.
    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。

    METHODS AND SYSTEMS FOR PROVISIONING MULTIPLE DEVICES
    6.
    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。

    Systems and Methods for Managing Mobile Account Holder Verification Methods
    7.
    发明申请
    Systems and Methods for Managing Mobile Account Holder Verification Methods 审中-公开
    管理移动帐户持有人验证方法的系统和方法

    公开(公告)号：US20150081554A1

    公开(公告)日：2015-03-19

    申请号：US14490522

    申请日：2014-09-18

    申请人： Erick Wong ,  Kiushan Pirzadeh ,  Christian Aabye

    发明人： Erick Wong ,  Kiushan Pirzadeh ,  Christian Aabye

    IPC分类号： G06Q20/40 ,  G06Q20/36

    CPC分类号： G06Q20/401 ,  G06Q20/322 ,  G06Q20/36 ,  G06Q20/3674 ,  G06Q40/02

    摘要： Embodiments of the invention are directed to methods, apparatuses, computer readable media and systems for coordinating account holder verification methods among secure entity applications and wallet applications from different issuers, wallet providers, etc. on mobile devices. A common payment management application may be provided in a trusted execution environment associated with a mobile device to support secure entity applications (e.g., provisioned payment application instances in the trusted execution environment) and mobile wallet applications (e.g., provisioned on a memory of the mobile device) to coordinate account holder verification methods. The common payment management application may be accessible by both mobile applications and the secure entity applications.

    摘要翻译： 本发明的实施例涉及方法，装置，计算机可读介质和用于协调安全实体应用程序之间的帐户持有者验证方法的系统和用于移动设备上的不同发行者，钱包提供商等的钱包应用程序。 可以在与移动设备相关联的可信任执行环境中提供公共支付管理应用，以支持安全实体应用（例如，在可信执行环境中提供的支付应用实例）和移动钱包应用（例如，在移动设备的存储器上 设备）来协调账户持有者的验证方法。 普通支付管理应用程序可以由移动应用程序和安全实体应用程序访问。

    DEVICE PROVISIONING USING PARTIAL PERSONALIZATION SCRIPTS
    9.
    发明申请
    DEVICE PROVISIONING USING PARTIAL PERSONALIZATION SCRIPTS 审中-公开

    公开(公告)号：US20170323290A1

    公开(公告)日：2017-11-09

    申请号：US15658897

    申请日：2017-07-25

    申请人： Erick Wong ,  Oleg Makhotin

    发明人： Erick Wong ,  Oleg Makhotin

    IPC分类号： G06Q20/36 ,  G06Q20/38 ,  G06Q20/34 ,  G06Q20/32

    CPC分类号： G06Q20/363 ,  G06Q20/3227 ,  G06Q20/3278 ,  G06Q20/354 ,  G06Q20/3552 ,  G06Q20/38215 ,  G06Q20/3829

    摘要： Embodiments of the invention relate to systems and methods for efficiently provisioning mobile devices with personalization data. For some embodiments, a method is disclosed comprising receiving a request for provisioning comprising device information for a mobile device and user authentication information for a user, generating a partial personalization script, an activation script, and a deletion script using the device information, sending the partial personalization script, the activation script, and the deletion script to an application provider computer, wherein the application provider computer initiates execution of the partial personalization script on the mobile device, authenticating the user authentication information, and sending an activation message to the application provider computer, wherein the application provider computer initiates execution of the activation script.