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    Methods and systems to remotely issue proximity payment devices
    1.
    发明授权
    Methods and systems to remotely issue proximity payment devices 有权
    远程发送接近支付设备的方法和系统

    公开(公告)号：US08752770B2

    公开(公告)日：2014-06-17

    申请号：US12543849

    申请日：2009-08-19

    申请人： John R. Wankmueller ,  David A. Roberts ,  Paul Michael Evans

    发明人： John R. Wankmueller ,  David A. Roberts ,  Paul Michael Evans

    IPC分类号： G06K9/00

    CPC分类号： G06Q20/3558 ,  G06Q20/18 ,  G06Q20/3278 ,  G06Q20/341 ,  G06Q20/352 ,  G06Q20/355 ,  G06Q20/409 ,  G07F7/1008 ,  G07F11/00 ,  G07F17/0014 ,  G07F17/42

    摘要： Pursuant to some embodiments, methods, apparatus, systems, devices, and means for issuing a payment device from a remote dispensing device are provided which include receiving a request to purchase a payment device from the remote dispensing device, the request including a load amount. Device information is read from a pre-personalized payment device in the remote dispensing device, and a request is made to an issuer of the pre-personalized payment device, for personalization data to personalize the pre-personalized payment device. In some embodiments, the request is sent over a secure authenticated session established between a module of the dispensing device and the issuer. The personalization data is loaded in the pre-personalized payment device to create a personalized payment device, and the personalized payment device is dispensed for use by a consumer.

    摘要翻译： 根据一些实施例，提供了用于从远程分配设备发出支付设备的方法，设备，系统，设备和装置，其包括从远程分配设备接收购买支付设备的请求，该请求包括负载量。 从远程分配设备中的预先个性化的支付设备读取设备信息，并且向预先个性化的支付设备的发行者请求个性化数据以个性化预先个性化的支付设备。 在一些实施例中，通过在分配装置的模块和发行者之间建立的安全认证会话来发送请求。 个性化数据被加载在预先个性化的支付设备中以创建个性化支付设备，并且个性化支付设备被分配供消费者使用。

    METHODS AND SYSTEMS TO REMOTELY ISSUE PROXIMITY PAYMENT DEVICES
    2.
    发明申请
    METHODS AND SYSTEMS TO REMOTELY ISSUE PROXIMITY PAYMENT DEVICES 有权
    远程发送临时付款设备的方法和系统

    公开(公告)号：US20100044433A1

    公开(公告)日：2010-02-25

    申请号：US12543849

    申请日：2009-08-19

    申请人： John R. Wankmueller ,  David A. Roberts ,  Paul Michael Evans

    发明人： John R. Wankmueller ,  David A. Roberts ,  Paul Michael Evans

    IPC分类号： G06F7/00

    CPC分类号： G06Q20/3558 ,  G06Q20/18 ,  G06Q20/3278 ,  G06Q20/341 ,  G06Q20/352 ,  G06Q20/355 ,  G06Q20/409 ,  G07F7/1008 ,  G07F11/00 ,  G07F17/0014 ,  G07F17/42

    摘要： Pursuant to some embodiments, methods, apparatus, systems, devices, and means for issuing a payment device from a remote dispensing device are provided which include receiving a request to purchase a payment device from the remote dispensing device, the request including a load amount. Device information is read from a pre-personalized payment device in the remote dispensing device, and a request is made to an issuer of the pre-personalized payment device, for personalization data to personalize the pre-personalized payment device. In some embodiments, the request is sent over a secure authenticated session established between a module of the dispensing device and the issuer. The personalization data is loaded in the pre-personalized payment device to create a personalized payment device, and the personalized payment device is dispensed for use by a consumer.

    摘要翻译： 根据一些实施例，提供了用于从远程分配设备发出支付设备的方法，设备，系统，设备和装置，其包括从远程分配设备接收购买支付设备的请求，该请求包括负载量。 从远程分配设备中的预先个性化的支付设备读取设备信息，并且向预先个性化的支付设备的发行者请求个性化数据以个性化预先个性化的支付设备。 在一些实施例中，通过在分配装置的模块和发行者之间建立的安全认证会话来发送请求。 个性化数据被加载在预先个性化的支付设备中以创建个性化支付设备，并且个性化支付设备被分配供消费者使用。

    Methods and systems for using physical payment cards in secure E-commerce transactions
    3.
    发明授权
    Methods and systems for using physical payment cards in secure E-commerce transactions 有权
    在安全的电子商务交易中使用物理支付卡的方法和系统

    公开(公告)号：US08965811B2

    公开(公告)日：2015-02-24

    申请号：US12573567

    申请日：2009-10-05

    申请人： John R. Wankmueller

    发明人： John R. Wankmueller

    IPC分类号： G06Q20/14 ,  G06Q20/12 ,  G06Q20/34 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q30/06

    CPC分类号： G06Q20/382 ,  G06Q20/027 ,  G06Q20/12 ,  G06Q20/14 ,  G06Q20/34 ,  G06Q20/351 ,  G06Q20/401 ,  G06Q30/0601

    摘要： Pursuant to some embodiments, methods, systems, apparatus, computer program code and means for conducting an online transaction by a user operating a computer are provided which include identifying, at the computer, that the user has selected a secure payment option during a transaction with a merchant. The computer is caused to enter a private session. During the private session, payment card data from a physical payment card held by the user is received, and the payment card data is forwarded to a payment provider to cause the payment provider to provide substitute payment card details to the merchant to complete the transaction.

    摘要翻译： 根据一些实施例，提供了用于操作计算机的用户进行在线交易的方法，系统，装置，计算机程序代码和装置，其包括在计算机处识别用户在交易期间选择了安全支付选项， 一个商人 导致计算机进入私人会话。 在私人会话期间，接收到由用户持有的物理支付卡的支付卡数据，并且支付卡数据被转发到支付提供商，以使支付提供商向商家提供替代支付卡的详细信息以完成交易。

    Methods and systems for user authentication
    4.
    发明授权
    Methods and systems for user authentication 有权
    用户认证的方法和系统

    公开(公告)号：US08572704B2

    公开(公告)日：2013-10-29

    申请号：US12541464

    申请日：2009-08-14

    申请人： John R. Wankmueller

    发明人： John R. Wankmueller

    IPC分类号： H04L29/06

    CPC分类号： G06Q20/4014 ,  G06F21/31 ,  G06F2221/2101 ,  G06F2221/2151 ,  G06F2221/2153 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q40/02 ,  H04L9/3271 ,  H04L63/08 ,  H04L63/12 ,  H04L2209/56 ,  H04L2463/102

    摘要： According to some embodiments, a registration request is received from a user, the user providing information identifying an account. A transaction database is queried using the information identifying an account, and a set of transactions conducted using the account are identified, each of the transactions having at least one transaction detail field. The set of transactions is presented to said user with at least one of the transaction detail fields being redacted. The user is prompted to provide the at least one of the redacted transaction detail fields, and a determination is made whether to authenticate the user based on a response of the user.

    摘要翻译： 根据一些实施例，从用户接收到注册请求，用户提供标识帐户的信息。 使用识别帐户的信息查询交易数据库，并且识别使用该账户进行的一组交易，每个交易具有至少一个交易详细信息字段。 所述交易集合被呈现给所述用户，其中交易细节字段中的至少一个被编辑。 提示用户提供经修改的交易详细信息字段中的至少一个，并且基于用户的响应确定是否对用户进行认证。

    METHODS AND SYSTEMS FOR SECURE MOBILE DEVICE INITIATED PAYMENTS USING GENERATED IMAGE DATA
    7.
    发明申请
    METHODS AND SYSTEMS FOR SECURE MOBILE DEVICE INITIATED PAYMENTS USING GENERATED IMAGE DATA 有权
    使用生成的图像数据确保移动设备启动支付的方法和系统

    公开(公告)号：US20100125509A1

    公开(公告)日：2010-05-20

    申请号：US12475735

    申请日：2009-06-01

    申请人： Arthur D. Kranzley ,  John R. Wankmueller

    发明人： Arthur D. Kranzley ,  John R. Wankmueller

    IPC分类号： G06Q20/00 ,  G07F19/00

    CPC分类号： G06Q20/3274 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q20/32 ,  G06Q40/00

    摘要： Systems, methods, processes, computer program code and means for conducting a payment transaction are provided which include activating a payment application of a mobile device, generating, using the payment application, an optical image representing payment account information associated with the payment application, said payment account information including at least one of a payment account number, an expiry date of the payment account number, and a dynamic verification code generated by the payment application; and presenting the optical image to a merchant transaction terminal for scanning to conduct the payment transaction.

    摘要翻译： 提供了用于执行支付交易的系统，方法，过程，计算机程序代码和手段，其包括激活移动设备的支付应用，使用支付应用生成表示与支付应用相关联的支付帐户信息的光学图像，所述光学图像表示 支付帐户信息，包括支付帐号，支付帐号的有效期和支付应用产生的动态验证码中的至少一个; 并将光学图像呈现给商家交易终端进行扫描以进行支付交易。

    METHODS AND SYSTEMS FOR USING PHYSICAL PAYMENT CARDS IN SECURE E-COMMERCE TRANSACTIONS
    8.
    发明申请
    METHODS AND SYSTEMS FOR USING PHYSICAL PAYMENT CARDS IN SECURE E-COMMERCE TRANSACTIONS 有权
    在安全的电子商务交易中使用物理支付卡的方法和系统

    公开(公告)号：US20100088237A1

    公开(公告)日：2010-04-08

    申请号：US12573567

    申请日：2009-10-05

    申请人： John R. Wankmueller

    发明人： John R. Wankmueller

    IPC分类号： G06Q30/00 ,  G06Q20/00 ,  H04L9/00

    CPC分类号： G06Q20/382 ,  G06Q20/027 ,  G06Q20/12 ,  G06Q20/14 ,  G06Q20/34 ,  G06Q20/351 ,  G06Q20/401 ,  G06Q30/0601

    摘要： Pursuant to some embodiments, methods, systems, apparatus, computer program code and means for conducting an online transaction by a user operating a computer are provided which include identifying, at the computer, that the user has selected a secure payment option during a transaction with a merchant. The computer is caused to enter a private session. During the private session, payment card data from a physical payment card held by the user is received, and the payment card data is forwarded to a payment provider to cause the payment provider to provide substitute payment card details to the merchant to complete the transaction.

    摘要翻译： 根据一些实施例，提供了用于操作计算机的用户进行在线交易的方法，系统，装置，计算机程序代码和装置，其包括在计算机处识别用户在交易期间选择了安全支付选项， 一个商人 导致计算机进入私人会话。 在私人会话期间，接收到由用户持有的物理支付卡的支付卡数据，并且支付卡数据被转发到支付提供商，以使支付提供商向商家提供替代支付卡的详细信息以完成交易。

    METHODS AND SYSTEMS FOR SECURE AUTHENTICATION
    10.
    发明申请
    METHODS AND SYSTEMS FOR SECURE AUTHENTICATION 审中-公开
    安全认证的方法和系统

    公开(公告)号：US20100242104A1

    公开(公告)日：2010-09-23

    申请号：US12501701

    申请日：2009-07-13

    申请人： John R. Wankmueller ,  Arthur D. Kranzley

    发明人： John R. Wankmueller ,  Arthur D. Kranzley

    IPC分类号： H04L9/32 ,  G06F21/00

    CPC分类号： G06F21/36 ,  H04L9/3226 ,  H04L63/083 ,  H04L2209/56 ,  H04L2209/80 ,  H04W12/06

    摘要： A system, device, method, program instructions, and means for securely authenticating a user, the method including mapping, by a one time code generating device in the possession of a user, a one time code onto a graphical representation of a positional array; displaying the one time code mapped onto the graphical representation of the positional array; determining an encoded personal identification number (PIN), the encoded PIN is based on the one time code mapped onto the graphical representation of the positional array and a static PIN known by the user; and authenticating the user based on the encoded PIN.

    摘要翻译： 一种用于安全地认证用户的系统，设备，方法，程序指令和装置，所述方法包括由拥有用户的一次性代码生成装置将一个时间码映射到位置数组的图形表示; 显示映射到位置阵列的图形表示的一次代码; 确定编码的个人识别码（PIN），编码的PIN基于映射到位置阵列的图形表示的一次代码和用户已知的静态PIN; 以及基于编码的PIN来验证用户。