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公开(公告)号：US20160005039A1
公开(公告)日：2016-01-07
申请号：US14853929
申请日：2015-09-14
申请人： PAYPAL, INC.
发明人： Sebastien Taveau , Hadi Nahari
CPC分类号： G06F21/35 , G06Q20/02 , G06Q20/32 , G06Q20/3552 , G06Q20/382 , G06Q20/3825 , G06Q20/3829 , G06Q20/405 , H04L9/3218 , H04L9/3234 , H04L9/3247 , H04L2209/56 , H04L2209/805
摘要： A system includes a tag having a machine readable tag identifier (Tag ID) configured to be read by a reader; and a device to be identified by the tag, in which: the device is configured to communicate with the reader; the device has access to a secure Tag ID; and the device communicates a verification to the reader if the machine readable Tag ID communicated to the device from the reader matches the secure Tag ID. A method includes: reading a Tag ID from a tag attached to a device; communicating the Tag ID read from the tag to the device; comparing a secure Tag ID of the device to the Tag ID read from the tag; and responding with a “match” or “no-match” message from the device, according to which the device is either trusted or not trusted as being identified by the Tag ID. A method of verifying a trusted agent (TA) on a device includes: storing a digital signature of the TA in a secure vault of the device; and verifying the TA by verifying the digital signature of the TA each time the TA is used.
摘要翻译： 系统包括具有被读取器读取的机器可读标签标识符（标签ID）的标签; 以及由所述标签识别的设备，其中：所述设备被配置为与所述读取器通信; 该设备可以访问安全的标签ID; 并且如果从读取器传送到设备的机器可读标签ID与安全标签ID匹配，则设备将验证传达给读取器。 一种方法包括：从附加到设备的标签中读取标签ID; 将从标签读取的标签ID传达到设备; 将设备的安全标签ID与从标签读取的标签ID进行比较; 并且通过来自设备的“匹配”或“不匹配”消息进行响应，根据该消息，设备被信任或不被信任为由标签ID标识。 验证设备上的可信代理（TA）的方法包括：将TA的数字签名存储在设备的安全库中; 以及通过在每次使用TA时验证TA的数字签名来验证TA。
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公开(公告)号：US10467626B2
公开(公告)日：2019-11-05
申请号：US16141568
申请日：2018-09-25
申请人： PAYPAL, INC.
IPC分类号： G06Q20/40 , H04W12/08 , G06Q20/32 , H04L29/06 , G06F21/60 , G06Q20/34 , H04L29/08 , H04W4/60 , H04W4/80
摘要： Systems and methods for managing concurrent secure elements on a mobile device to coordinate with an application or “app” running on the mobile device and an appropriate communications protocol for conducting transactions using the mobile device include: informing, by the processor, the reader device of a preferred app and a communication protocol usable by the preferred app; receiving, by the processor, information about which apps and communication protocols are supported by a reader for processing a transaction; locating, by the processor, a secure element supporting an app and a communication protocol supported by the reader; channeling the communication protocol for the specific configuration of the app and the supporting secure element; activating the secure element that supports the app; and processing, with the activated secure element, using the supported app and communication channel, the transaction with the reader.
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公开(公告)号：US10120993B2
公开(公告)日：2018-11-06
申请号：US14853929
申请日：2015-09-14
申请人： PAYPAL, INC.
发明人： Sebastien Taveau , Hadi Nahari
摘要： A system includes a tag having a machine readable tag identifier (Tag ID) configured to be read by a reader; and a device to be identified by the tag, in which: the device is configured to communicate with the reader; the device has access to a secure Tag ID; and the device communicates a verification to the reader if the machine readable Tag ID communicated to the device from the reader matches the secure Tag ID. A method includes: reading a Tag ID from a tag attached to a device; communicating the Tag ID read from the tag to the device; comparing a secure Tag ID of the device to the Tag ID read from the tag; and responding with a “match” or “no-match” message from the device, according to which the device is either trusted or not trusted as being identified by the Tag ID. A method of verifying a trusted agent (TA) on a device includes: storing a digital signature of the TA in a secure vault of the device; and verifying the TA by verifying the digital signature of the TA each time the TA is used.
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公开(公告)号：US20160335623A1
公开(公告)日：2016-11-17
申请号：US15217750
申请日：2016-07-22
申请人： PAYPAL, INC.
发明人： Sebastien Taveau , Eric Duprat
IPC分类号： G06Q20/32
CPC分类号： G06Q20/3278 , G06Q20/12 , G06Q20/20 , G06Q20/208 , G06Q20/32 , G06Q20/3224 , G06Q20/3255 , G06Q20/353
摘要： Systems and methods for facilitating transactions using contactless proximity communication technology include information or payment flows that are reversed from the conventional sense in that information may flow in direction from a merchant via a consumer mobile device to a financial services provider (FSP). Such payment and information flows can be accomplished without needing to modify infrastructure—such as point-of-sale NFC readers, mobile handsets, or advertising tags and may provide “bridge solutions” for quickly implementing mobile proximity purchase payments. Embodiments provide for receiving some transaction information at a financial services provider in response to a contactless proximity communication that occurs between either a consumer proximity tag and a merchant device, consumer mobile device and merchant proximity tag, or consumer mobile device and merchant device, in which some of the transaction information flow is reverse; validating the transaction; sending payment confirmation to the merchant; and sending transaction confirmation to the consumer.
摘要翻译： 用于促进使用非接触式邻近通信技术的交易的系统和方法包括与常规意义相反的信息或支付流，因为信息可以从商家经由消费者移动设备到金融服务提供商（FSP）的方向流动。 这种支付和信息流可以在不需要修改基础设施的情况下实现，例如销售点NFC读取器，移动手机或广告标签，并且可以为快速实施移动邻近购买支付提供“桥梁解决方案”。 实施例提供了在金融服务提供商处接收在消费者接近标签和商家设备，消费者移动设备和商家接近标签之间发生的非接触式邻近度通信的接收一些交易信息，或消费者移动设备和商家设备，其中 一些交易信息流是相反的; 验证交易; 向商家发送支付确认; 并向消费者发送交易确认。
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公开(公告)号：US11595820B2
公开(公告)日：2023-02-28
申请号：US17140872
申请日：2021-01-04
申请人： PayPal, Inc.
IPC分类号： H04W12/08 , G06Q20/32 , H04W4/60 , H04W4/80 , H04L9/40 , G06F21/60 , G06Q20/34 , G06Q20/40 , H04L67/1095 , H04L67/10
摘要： Systems and methods for managing concurrent secure elements on a mobile device to coordinate with an application or “app” running on the mobile device and an appropriate communications protocol for conducting transactions using the mobile device include: informing, by the processor, the reader device of a preferred app and a communication protocol usable by the preferred app; receiving, by the processor, information about which apps and communication protocols are supported by a reader for processing a transaction; locating, by the processor, a secure element supporting an app and a communication protocol supported by the reader; channeling the communication protocol for the specific configuration of the app and the supporting secure element; activating the secure element that supports the app; and processing, with the activated secure element, using the supported app and communication channel, the transaction with the reader.
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公开(公告)号：US20210204131A1
公开(公告)日：2021-07-01
申请号：US17140872
申请日：2021-01-04
申请人： PayPal, Inc.
IPC分类号： H04W12/08 , G06Q20/32 , H04W4/60 , H04W4/80 , H04L29/06 , G06F21/60 , G06Q20/34 , G06Q20/40 , H04L29/08
摘要： Systems and methods for managing concurrent secure elements on a mobile device to coordinate with an application or “app” running on the mobile device and an appropriate communications protocol for conducting transactions using the mobile device include: informing, by the processor, the reader device of a preferred app and a communication protocol usable by the preferred app; receiving, by the processor, information about which apps and communication protocols are supported by a reader for processing a transaction; locating, by the processor, a secure element supporting an app and a communication protocol supported by the reader; channeling the communication protocol for the specific configuration of the app and the supporting secure element; activating the secure element that supports the app; and processing, with the activated secure element, using the supported app and communication channel, the transaction with the reader.
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公开(公告)号：US10242366B2
公开(公告)日：2019-03-26
申请号：US14971684
申请日：2015-12-16
申请人： PAYPAL, INC.
IPC分类号： H04W4/60 , H04W4/80 , G06F21/60 , G06Q20/32 , G06Q20/34 , G06Q20/40 , H04L29/06 , H04L29/08 , H04W12/08
摘要： Systems and methods for managing concurrent secure elements on a mobile device to coordinate with an application or “app” running on the mobile device and an appropriate communications protocol for conducting transactions using the mobile device include: informing, by the processor, the reader device of a preferred app and a communication protocol usable by the preferred app; receiving, by the processor, information about which apps and communication protocols are supported by a reader for processing a transaction; locating, by the processor, a secure element supporting an app and a communication protocol supported by the reader; channeling the communication protocol for the specific configuration of the app and the supporting secure element; activating the secure element that supports the app; and processing, with the activated secure element, using the supported app and communication channel, the transaction with the reader.
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公开(公告)号：US20170206519A1
公开(公告)日：2017-07-20
申请号：US15468008
申请日：2017-03-23
申请人： PAYPAL, INC.
发明人： Sebastien Taveau , Nadav Naaman
CPC分类号： G06Q20/3226 , G06Q20/227 , G06Q20/32 , G06Q20/3224 , G06Q20/3572 , G06Q20/36 , G06Q20/3674 , G06Q20/405
摘要： Systems, methods, and computer program products for providing cloud-based application security are disclosed. For example, a server part of a cloud-based application may determine a plurality of security challenges for authorizing a request based on a plurality of security settings of a user account and one or more attributes of the request, issue a first-level authorization challenge and a second-level authorization challenge based on the determining, identify a plurality of available resources from the user account for the request, and responsive to successful completion of the first-level authorization challenge and the second-level authorization challenge, automatically apply two or more of the available resources from the user account to fulfill the request based on the one or more attributes of the request and a physical location associated with the request.
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公开(公告)号：US20200034820A1
公开(公告)日：2020-01-30
申请号：US16438280
申请日：2019-06-11
申请人： PAYPAL, INC.
发明人： Sebastien Taveau , Nadav Naaman
摘要： Systems, methods, and computer program products for providing cloud-based application security are disclosed. For example, a server part of a cloud-based application may determine a plurality of security challenges for authorizing a request based on a plurality of security settings of a user account and one or more attributes of the request, issue a first-level authorization challenge and a second-level authorization challenge based on the determining, identify a plurality of available resources from the user account for the request, and responsive to successful completion of the first-level authorization challenge and the second-level authorization challenge, automatically apply two or more of the available resources from the user account to fulfill the request based on the one or more attributes of the request and a physical location associated with the request.
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10.发明授权公开(公告)号：US10360562B2
公开(公告)日：2019-07-23
申请号：US14529604
申请日：2014-10-31
申请人： PAYPAL, INC.
IPC分类号： H04W4/60 , H04W4/80 , G06F21/60 , G06Q20/32 , G06Q20/34 , G06Q20/40 , H04L29/06 , H04L29/08 , H04W12/08 , G06F15/16
摘要： Systems and methods for managing concurrent secure elements on a mobile device to coordinate with an application or “app” running on the mobile device and an appropriate communications protocol for conducting transactions using the mobile device include: informing, by the processor, the reader device of a preferred app and a communication protocol usable by the preferred app; receiving, by the processor, information about which apps and communication protocols are supported by a reader for processing a transaction; locating, by the processor, a secure element supporting an app and a communication protocol supported by the reader; channeling the communication protocol for the specific configuration of the app and the supporting secure element; activating the secure element that supports the app; and processing, with the activated secure element, using the supported app and communication channel, the transaction with the reader.
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