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公开(公告)号：US20140344142A1
公开(公告)日：2014-11-20
申请号：US14257863
申请日：2014-04-21
IPC分类号： G06Q20/02
CPC分类号： G06Q20/027 , G06Q30/06 , G06Q30/0601
摘要： A gateway service platform is disclosed that provides access to a payment processing system via an open network such as the internet. The gateway service platform also provides access to service systems that provide a variety of services and applications offered by or affiliated with the payment processing system. The gateway service platform allows the payment processing system to reach users and to facilitate transactions on a wide variety of devices that may not otherwise be able to connect to payment processing system. Other devices, such as payment terminal devices, can also interact with a payment processing system through the gateway service platform using the same network and protocol. Embodiments of the invention allow devices on these open networks to connect with the payment processing system without having to change the existing infrastructure of the payment processing system.
摘要翻译： 公开了一种网关服务平台，其提供经由诸如互联网的开放网络对支付处理系统的访问。 网关服务平台还提供对提供由支付处理系统提供或附属的各种服务和应用的服务系统的访问。 网关服务平台允许支付处理系统接触用户并促进在不同的设备上可能无法连接到支付处理系统的交易。 诸如支付终端设备的其他设备也可以通过使用相同网络和协议的网关服务平台与支付处理系统进行交互。 本发明的实施例允许这些开放网络上的设备与支付处理系统连接，而不必改变支付处理系统的现有基础设施。
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公开(公告)号：US20090319638A1
公开(公告)日：2009-12-24
申请号：US12473708
申请日：2009-05-28
CPC分类号： G06Q20/027 , G06Q30/06 , G06Q30/0601
摘要： A gateway service platform is disclosed that provides access to a payment processing system via an open network such as the internet. The gateway service platform also provides access to service systems that provide a variety of services and applications offered by or affiliated with the payment processing system. The gateway service platform allows the payment processing system to reach users and to facilitate transactions on a wide variety of devices that may not otherwise be able to connect to payment processing system. Other devices, such as payment terminal devices, can also interact with a payment processing system through the gateway service platform using the same network and protocol. Embodiments of the invention allow devices on these open networks to connect with the payment processing system without having to change the existing infrastructure of the payment processing system.
摘要翻译： 公开了一种网关服务平台，其提供经由诸如互联网的开放网络对支付处理系统的访问。 网关服务平台还提供对提供由支付处理系统提供或附属的各种服务和应用的服务系统的访问。 网关服务平台允许支付处理系统接触用户并促进在不同的设备上可能无法连接到支付处理系统的交易。 诸如支付终端设备的其他设备也可以通过使用相同网络和协议的网关服务平台与支付处理系统进行交互。 本发明的实施例允许这些开放网络上的设备与支付处理系统连接，而不必改变支付处理系统的现有基础设施。
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公开(公告)号：US08745166B2
公开(公告)日：2014-06-03
申请号：US12473708
申请日：2009-05-28
CPC分类号： G06Q20/027 , G06Q30/06 , G06Q30/0601
摘要： A gateway service platform is disclosed that provides access to a payment processing system via an open network such as the internet. The gateway service platform also provides access to service systems that provide a variety of services and applications offered by or affiliated with the payment processing system. The gateway service platform allows the payment processing system to reach users and to facilitate transactions on a wide variety of devices that may not otherwise be able to connect to payment processing system. Other devices, such as payment terminal devices, can also interact with a payment processing system through the gateway service platform using the same network and protocol. Embodiments of the invention allow devices on these open networks to connect with the payment processing system without having to change the existing infrastructure of the payment processing system.
摘要翻译： 公开了一种网关服务平台，其提供经由诸如互联网的开放网络对支付处理系统的访问。 网关服务平台还提供对提供由支付处理系统提供或附属的各种服务和应用的服务系统的访问。 网关服务平台允许支付处理系统接触用户并促进在不同的设备上可能无法连接到支付处理系统的交易。 诸如支付终端设备的其他设备也可以通过使用相同网络和协议的网关服务平台与支付处理系统进行交互。 本发明的实施例允许这些开放网络上的设备与支付处理系统连接，而不必改变支付处理系统的现有基础设施。
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公开(公告)号：US20150198983A1
公开(公告)日：2015-07-16
申请号：US14338930
申请日：2014-07-23
申请人： Patrick Faith , Mark Carlson , Ayman Hammad , Ben Rewis , Krishna Prasad Koganti
发明人： Patrick Faith , Mark Carlson , Ayman Hammad , Ben Rewis , Krishna Prasad Koganti
CPC分类号： G06F1/1694 , G06F21/40 , G06Q20/10 , G06Q20/32 , G06Q20/3224 , G06Q20/389 , G06Q20/40 , G06Q20/4016 , G06Q20/42 , H04W12/08
摘要： Embodiments of the present invention are directed to systems, apparatuses and methods for using a mobile device with an accelerometer to gain access into a secured or restricted area. A first device and a second device interact by making physical contact with each other thereby generating interaction data that is representative of the physical interaction between the first and second device. The first and second device may be mobile phones. The second device may be a point of sale terminal, access point device, or any other stationary (i.e., in a fixed position) device positioned at a line, door, gate, or entrance. A server computer determines, based on interaction data, that the first device and the second device made physical contact. After determining that the first device and the second device made contact, communications may be initiated between the devices. Communications may relate an access transaction comprising an exchange of information, such as credentials, between a prospective entrant (operating the first device) and a gatekeeper (operating the second device) to verify that the prospective entrant is permitted or is not permitted access to a particular area that is secured or restricted by the gatekeeper. Other embodiments are direct to confirmation transactions. Access transaction and confirmation transactions may be combined with a financial transaction using a payment processing network.
摘要翻译： 本发明的实施例涉及使用具有加速度计的移动装置来获得进入安全或限制区域的系统，装置和方法。 第一设备和第二设备通过彼此进行物理接触进行交互，从而生成代表第一和第二设备之间的物理交互的交互数据。 第一和第二装置可以是移动电话。 第二设备可以是销售点终端，接入点设备或位于线路，门，门或入口处的任何其它固定（即固定位置）设备。 服务器计算机基于交互数据确定第一设备和第二设备进行物理接触。 在确定第一设备和第二设备联系之后，可以在设备之间发起通信。 通信可以涉及在潜在进入者（操作第一设备）和网守（操作第二设备）之间的信息交换（诸如凭证）之间的访问交易，以验证潜在进入者是否被允许或不允许访问 被守门员固定或限制的特定区域。 其他实施例直接用于确认交易。 访问交易和确认交易可以与使用支付处理网络的金融交易组合。
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5.发明申请DEVICE INCLUDING ENCRYPTED DATA FOR EXPIRATION DATE AND VERIFICATION VALUE CREATION 审中-公开包括加密日期和加密数据创建的设备公开(公告)号：US20100299267A1
公开(公告)日：2010-11-25
申请号：US12778638
申请日：2010-05-12
CPC分类号： G06Q20/10 , G06Q20/3821 , G06Q20/383 , G06Q20/385 , G06Q40/02 , H04L9/32 , H04L2209/56 , H04L2209/805
摘要： In order to make it more difficult to obtain numbers that can be used to conduct fraudulent transactions, a portion of a real account number is encrypted. The encrypted portion of the account number is used to generate a new account number, a new expiration date, and a new verification value. This information can be determined using processor that may reside in a point of sale terminal, a smart card, or a computer operated by a user. The new account number, the new expiration date, and the new verification value can be used in a payment transaction. A server computer in a central payment processing network may determine that the new account information is not the real account information, and may subsequently generate a modified authorization request message using the real account information and may send it to an issuer for approval. The transmission of data is more secure, since real account information is not sent from the merchant to the payment processing network.
摘要翻译： 为了使得难以获得可用于进行欺诈交易的数字，实际帐号的一部分被加密。 帐号的加密部分用于生成新帐号，新的到期日期和新的验证值。 可以使用可能位于销售点终端，智能卡或用户操作的计算机的处理器来确定该信息。 新的帐号，新的到期日期和新的验证值可以用于支付交易。 中央支付处理网络中的服务器计算机可以确定新帐户信息不是真实账户信息，并且随后可以使用真实账户信息生成修改的授权请求消息，并且可以将其发送给发行商以供批准。 数据的传输更加安全，因为实际的帐户信息没有从商家发送到支付处理网络。
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公开(公告)号：US10140598B2
公开(公告)日：2018-11-27
申请号：US12778638
申请日：2010-05-12
摘要： In order to make it more difficult to obtain numbers that can be used to conduct fraudulent transactions, a portion of a real account number is encrypted. The encrypted portion of the account number is used to generate a new account number, a new expiration date, and a new verification value. This information can be determined using processor that may reside in a point of sale terminal, a smart card, or a computer operated by a user. The new account number, the new expiration date, and the new verification value can be used in a payment transaction. A server computer in a central payment processing network may determine that the new account information is not the real account information, and may subsequently generate a modified authorization request message using the real account information and may send it to an issuer for approval. The transmission of data is more secure, since real account information is not sent from the merchant to the payment processing network.
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公开(公告)号：US08313022B2
公开(公告)日：2012-11-20
申请号：US13347495
申请日：2012-01-10
申请人： Ayman Hammad , Patrick Faith , Krishna Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
发明人： Ayman Hammad , Patrick Faith , Krishna Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
IPC分类号： G06K5/00
CPC分类号： G06Q20/409 , G06F21/34 , G06F2221/2129 , G06Q20/12 , G06Q20/3674 , G06Q20/3821 , G06Q20/385 , G06Q20/40 , G06Q20/42 , G06Q20/425 , G06Q30/06 , G06Q2220/00 , H04L9/0866 , H04L9/321 , H04L9/3234 , H04L9/3273 , H04L63/0853 , H04L63/126 , H04L2209/56
摘要： Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a 3-D Secure datum to the verification token. The verification token may enter the 3-D Secure datum into a hidden field of a Purchase Authentication Page appearing on the computer's display.
摘要翻译： 公开了关于用于3-D安全系统的便携式消费者设备的验证的设备，方法和系统。 在一个实现中，验证令牌通过USB连接耦合到计算机，以便使用计算机的网络设施。 验证令牌从用户的便携式消费者设备（例如，信用卡）中读取识别信息，并使用计算机的网络设施通过通信网络将信息发送到验证条目。 验证实体对从验证令牌接收到的信息应用一个或多个验证测试。 如果通过了选定的测试次数，则验证实体向验证令牌发送3-D Secure数据。 验证令牌可以将3-D Secure数据输入计算机显示屏上出现的购买认证页面的隐藏字段。
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公开(公告)号：US09105027B2
公开(公告)日：2015-08-11
申请号：US13107715
申请日：2011-05-13
申请人： Ayman Hammad , Patrick Faith , Krishna Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
发明人： Ayman Hammad , Patrick Faith , Krishna Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
IPC分类号： G06F17/00 , G06Q20/42 , G06F21/34 , G06Q20/12 , G06Q20/36 , G06Q20/38 , G06Q20/40 , G06Q30/06 , H04L9/08 , H04L9/32 , H04L29/06
CPC分类号： G06Q20/409 , G06F21/34 , G06F2221/2129 , G06Q20/12 , G06Q20/3674 , G06Q20/3821 , G06Q20/385 , G06Q20/40 , G06Q20/42 , G06Q20/425 , G06Q30/06 , G06Q2220/00 , H04L9/0866 , H04L9/321 , H04L9/3234 , H04L9/3273 , H04L63/0853 , H04L63/126 , H04L2209/56
摘要： Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a 3-D Secure datum to the verification token. The verification token may enter the 3-D Secure datum into a hidden field of a Purchase Authentication Page appearing on the computer's display.
摘要翻译： 公开了关于用于3-D安全系统的便携式消费者设备的验证的设备，方法和系统。 在一个实现中，验证令牌通过USB连接耦合到计算机，以便使用计算机的网络设施。 验证令牌从用户的便携式消费者设备（例如，信用卡）中读取识别信息，并使用计算机的网络设施通过通信网络将信息发送到验证条目。 验证实体对从验证令牌接收到的信息应用一个或多个验证测试。 如果通过了选定的测试次数，则验证实体向验证令牌发送3-D Secure数据。 验证令牌可以将3-D Secure数据输入计算机显示屏上出现的购买认证页面的隐藏字段。
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公开(公告)号：US20120116976A1
公开(公告)日：2012-05-10
申请号：US13347495
申请日：2012-01-10
申请人： Ayman Hammad , Patrick Faith , Krishna Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
发明人： Ayman Hammad , Patrick Faith , Krishna Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
IPC分类号： G06Q20/40
CPC分类号： G06Q20/409 , G06F21/34 , G06F2221/2129 , G06Q20/12 , G06Q20/3674 , G06Q20/3821 , G06Q20/385 , G06Q20/40 , G06Q20/42 , G06Q20/425 , G06Q30/06 , G06Q2220/00 , H04L9/0866 , H04L9/321 , H04L9/3234 , H04L9/3273 , H04L63/0853 , H04L63/126 , H04L2209/56
摘要： Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a 3-D Secure datum to the verification token. The verification token may enter the 3-D Secure datum into a hidden field of a Purchase Authentication Page appearing on the computer's display.
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公开(公告)号：US20110119155A1
公开(公告)日：2011-05-19
申请号：US12939963
申请日：2010-11-04
申请人： Ayman Hammad , Patrick Faith , Krishna Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
发明人： Ayman Hammad , Patrick Faith , Krishna Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
CPC分类号： G06Q20/409 , G06F21/34 , G06F2221/2107 , G06F2221/2129 , G06Q20/12 , G06Q20/352 , G06Q20/385 , G06Q20/40 , G06Q20/4014 , G06Q20/42 , G06Q20/425 , G06Q30/0613 , G06Q30/0641 , H04L9/3234 , H04L63/0853 , H04L63/126 , H04L2209/56
摘要： Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a 3-D Secure datum to the verification token. The verification token may enter the 3-D Secure datum into a hidden field of a Purchase Authentication Page appearing on the computer's display.
摘要翻译： 公开了关于用于3-D安全系统的便携式消费者设备的验证的设备，方法和系统。 在一个实现中，验证令牌通过USB连接耦合到计算机，以便使用计算机的网络设施。 验证令牌从用户的便携式消费者设备（例如，信用卡）中读取识别信息，并使用计算机的网络设施通过通信网络将信息发送到验证条目。 验证实体对从验证令牌接收到的信息应用一个或多个验证测试。 如果通过了选定的测试次数，则验证实体向验证令牌发送3-D Secure数据。 验证令牌可以将3-D Secure数据输入计算机显示屏上出现的购买认证页面的隐藏字段。
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