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公开(公告)号：US11699152B2
公开(公告)日：2023-07-11
申请号：US17389984
申请日：2021-07-30
申请人： ROYAL BANK OF CANADA
发明人： Stephen James Scott , Weiqiang Yin , Edison U. Ortiz , Terry W. Lee , Gabriel Y. Woo , Judy Dinn , Chai Lam
CPC分类号： G06Q20/40 , G06Q20/023 , G06Q20/12 , G06Q20/36
摘要： Systems (100, 900), methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems (100) include trusted platforms (120) by which networked communication devices (110) and merchant systems (130) may registered as trusted entities 110′, 130. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets (112), or in the form of secure payment tokens. Among other improvements, the invention enables the use of multiple payment accounts to fund purchases and other electronic transactions.
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公开(公告)号：US11687928B2
公开(公告)日：2023-06-27
申请号：US17387711
申请日：2021-07-28
申请人： ROYAL BANK OF CANADA
发明人： Edison U. Ortiz , Terry W. Lee , Gabriel Y. Woo , Stephen James Scott , Weiqiang Yin , Judy Dinn , Chai Lam
CPC分类号： G06Q20/40 , G06Q20/023 , G06Q20/12
摘要： Systems (100), methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems (100) include trusted platforms (120) by which networked communication devices (110) and merchant systems (130) may registered as trusted entities 110′, 130. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets (112), or in the form of secure payment tokens. Common application programming interfaces executed by devices (110) may facilitate push and pull processes between electronic wallets (112) and other secure data stores (136, 120, 160). Users (190) may thereby initiate and complete electronic transactions directly from within applications on trusted devices (110′).
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公开(公告)号：US10755274B2
公开(公告)日：2020-08-25
申请号：US15414065
申请日：2017-01-24
申请人： ROYAL BANK OF CANADA
发明人： Edison U. Ortiz , Terry W. Lee , Linda Mantia
摘要： Systems, methods, and non-transient machine-interpretable data representing executable instruction sets and/or other products for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of payment transactions and other secure data processes. In various aspects and embodiments the disclosure provides secure means for the authorization of sensitive and other data processes subject to controlled access. Such processes include, for example the creation, administration, authorization, virtualization, storage, and other manipulation or processing of electronic data representing characteristics of, instructions for, and information associated with consumer, business, and other payment accounts, and other forms of secure payment elements, such as payment tokens; and data useful in processing transactions using such accounts and elements. Information associated with particular payment means, such as accounts or payment tokens, can be stored, for example, in a data set, usually secure, sometimes referred to as a virtual or electronic wallet, or a secure payment token.
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公开(公告)号：US11615414B2
公开(公告)日：2023-03-28
申请号：US17080197
申请日：2020-10-26
申请人： ROYAL BANK OF CANADA
发明人： Edison U. Ortiz , Terry W. Lee , Linda Mantia
摘要： Systems, methods, and non-transient machine-interpretable data representing executable instruction sets and/or other products for the processing of data for the 5 secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of payment transactions and other secure data processes. In various aspects and embodiments the disclosure provides secure means for the authorization of sensitive and other data processes subject to controlled access. Such processes include, for example the creation, administration, 10 authorization, virtualization, storage, and other manipulation or processing of electronic data representing characteristics of, instructions for, and information associated with consumer, business, and other payment accounts, and other forms of secure payment elements, such as payment tokens; and data useful in processing transactions using such accounts and elements. Information associated with 15 particular payment means, such as accounts or payment tokens, can be stored, for example, in a data set, usually secure, sometimes referred to as a virtual or electronic wallet, or a secure payment token.
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公开(公告)号：US11775953B2
公开(公告)日：2023-10-03
申请号：US17561638
申请日：2021-12-23
申请人： ROYAL BANK OF CANADA
IPC分类号： G06Q40/00 , G06Q20/28 , G06Q20/32 , G06Q20/34 , G06Q20/36 , G06Q20/38 , G06Q20/40 , H04L9/40 , G06Q20/20
CPC分类号： G06Q20/28 , G06Q20/20 , G06Q20/3221 , G06Q20/3223 , G06Q20/3278 , G06Q20/351 , G06Q20/36 , G06Q20/367 , G06Q20/3672 , G06Q20/385 , G06Q20/387 , G06Q20/40 , H04L63/0428 , G06Q2220/00 , H04L2209/56 , H04L2209/80
摘要： Systems 10, devices 106, methods, and non-transient machine-interpretable programming and/or other instruction products for the generation, transfer, storage, and other processing of secure data sets 11 used in electronic payment transactions, including particularly the secure creation, administration, manipulation, processing, and storage of electronic data useful in processing of pre-funded, pre-paid, and/or otherwise pre-authorized payment transactions. Devices 106, 100, 101 and methods in accordance with the disclosure can be used to create pre-funded payment token data sets 11, the token data sets comprising secure data items or records representing negotiable monetary or other economic value, and to share them between network communication devices 106 such as smart phones, home or business desktop computers, etc., for use in purchases and other transactions.
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公开(公告)号：US11210648B2
公开(公告)日：2021-12-28
申请号：US15453193
申请日：2017-03-08
申请人： Royal Bank of Canada
IPC分类号： G06Q40/00 , G06Q20/28 , H04L29/06 , G06Q20/40 , G06Q20/36 , G06Q20/32 , G06Q20/38 , G06Q20/34 , G06Q20/20
摘要： Systems 10, devices 106, methods, and non-transient machine-interpretable programming and/or other instruction products for the generation, transfer, storage, and other processing of secure data sets 11 used in electronic payment transactions, including particularly the secure creation, administration, manipulation, processing, and storage of electronic data useful in processing of pre-funded, pre-paid, and/or otherwise pre-authorized payment transactions. Devices 106, 100, 101 and methods in accordance with the disclosure can be used to create pre-funded payment token data sets 11, the token data sets comprising secure data items or records representing negotiable monetary or other economic value, and to share them between network communication devices 106 such as smart phones, home or business desktop computers, etc., for use in purchases and other transactions.
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公开(公告)号：US11080701B2
公开(公告)日：2021-08-03
申请号：US15201428
申请日：2016-07-02
申请人： ROYAL BANK OF CANADA
发明人： Stephen James Scott , Weigiang Yin , Edison U. Ortiz , Terry W. Lee , Gabriel Y. Woo , Judy Dinn , Chai Lam
摘要： Systems (100, 900), methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems (100) include trusted platforms (120) by which networked communication devices (110) and merchant systems (130) may registered as trusted entities 110′, 130. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets (112), or in the form of secure payment tokens. Among other improvements, the invention enables the use of multiple payment accounts to fund purchases and other electronic transactions.
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公开(公告)号：US11080700B2
公开(公告)日：2021-08-03
申请号：US15000685
申请日：2016-01-19
申请人： Royal Bank of Canada
发明人： Edison U. Ortiz , Terry W. Lee , Gabriel Y. Woo , Stephen James Scott , Weiqiang Yin , Judy Dinn , Chai Lam
摘要： Systems (100), methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems (100) include trusted platforms (120) by which networked communication devices (110) and merchant systems (130) may registered as trusted entities 110′, 130. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets (112), or in the form of secure payment tokens. Common application programming interfaces executed by devices (110) may facilitate push and pull processes between electronic wallets (112) and other secure data stores (136, 120, 160). Users (190) may thereby initiate and complete electronic transactions directly from within applications on trusted devices (110′).
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9.发明申请公开(公告)号：US20170249622A1
公开(公告)日：2017-08-31
申请号：US15453193
申请日：2017-03-08
申请人： Royal Bank of Canada
CPC分类号： G06Q20/28 , G06Q20/20 , G06Q20/3221 , G06Q20/3223 , G06Q20/3278 , G06Q20/351 , G06Q20/36 , G06Q20/367 , G06Q20/3672 , G06Q20/385 , G06Q20/387 , G06Q20/40 , G06Q2220/00 , H04L63/0428 , H04L2209/56 , H04L2209/80
摘要： Systems 10, devices 106, methods, and non-transient machine-interpretable programming and/or other instruction products for the generation, transfer, storage, and other processing of secure data sets 11 used in electronic payment transactions, including particularly the secure creation, administration, manipulation, processing, and storage of electronic data useful in processing of pre-funded, pre-paid, and/or otherwise pre-authorized payment transactions. Devices 106, 100, 101 and methods in accordance with the disclosure can be used to create pre-funded payment token data sets 11, the token data sets comprising secure data items or records representing negotiable monetary or other economic value, and to share them between network communication devices 106 such as smart phones, home or business desktop computers, etc., for use in purchases and other transactions.
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公开(公告)号：US09082119B2
公开(公告)日：2015-07-14
申请号：US14056440
申请日：2013-10-17
申请人： ROYAL BANK OF CANADA
发明人： Edison U. Ortiz , Terry W. Lee
CPC分类号： G06Q20/3829 , G06Q20/3221 , G06Q20/3223 , G06Q20/3278 , G06Q20/36 , G06Q20/367 , G06Q20/3672 , G06Q20/38215 , G06Q20/3823 , G06Q20/385 , G06Q20/40 , G06Q2220/00
摘要： Systems, methods, and non-transient machine-interpretable data representing executable instruction sets and/or other products for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of payment transactions and other secure data processes. In various aspects and embodiments the disclosure provides secure means for the authorization of sensitive and other data processes subject to controlled access. Such processes include, for example the creation, administration, authorization, virtualization, storage, and other manipulation or processing of electronic data representing characteristics of, instructions for, and information associated with consumer, business, and other payment accounts, and other forms of secure payment elements, such as payment tokens; and data useful in processing transactions using such accounts and elements. Information associated with particular payment means, such as accounts or payment tokens, can be stored, for example, in a data set, usually secure, sometimes referred to as a virtual or electronic wallet, or a secure payment token.
摘要翻译： 代表可执行指令集和/或其他产品的系统，方法和非瞬态机器可解释数据，用于处理数据，用于安全地创建，管理，操纵，处理和存储有用于处理支付交易的电子数据，以及 其他安全数据流程。 在各个方面和实施例中，本公开提供了用于授权敏感和其他受控制访问的数据处理的安全装置。 这样的过程包括例如创建，管理，授权，虚拟化，存储和其他操作或处理表示与消费者，商业和其他支付账户有关的特征，指令和信息的电子数据，以及其他形式的安全 付款元素，如付款令牌; 以及使用这些帐户和元素来处理交易的数据。 与诸如帐户或付款令牌的特定支付手段相关联的信息可以例如存储在通常是安全的数据集中，有时称为虚拟或电子钱包或安全支付令牌。
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