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公开(公告)号：US11972412B2
公开(公告)日：2024-04-30
申请号：US17232079
申请日：2021-04-15
发明人： Erick Wong , Oleg Makhotin
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.
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公开(公告)号：US11062306B2
公开(公告)日：2021-07-13
申请号：US15490191
申请日：2017-04-18
发明人： Igor Karpenko , Oleg Makhotin , Kiushan Pirzadeh , Glenn Powell , John Sheets , Erick Wong
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.
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公开(公告)号：US20200234258A1
公开(公告)日：2020-07-23
申请号：US16752389
申请日：2020-01-24
发明人： Christian Flurscheim , Erick Wong , Oleg Makhotin
摘要： A system and method uses one or more repurposed data fields in a payment transaction message to pass the merchant consumable data from a mobile device to the merchant system using an existing channel. The merchant consumable data relate to loyalty or rewards.
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公开(公告)号：US10685343B2
公开(公告)日：2020-06-16
申请号：US15810710
申请日：2017-11-13
发明人： Oleg Makhotin , Trudy Hill , Erick Wong , Oleg Makarenko , Hao Ngo , Christian Aabye , William Alexander Thaw
IPC分类号： G06Q20/32 , G06Q20/20 , G06Q20/30 , G06Q20/36 , G06Q20/10 , G06Q20/34 , G06Q30/06 , G07F7/10 , G06Q30/02
摘要： An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.
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公开(公告)号：US10257185B2
公开(公告)日：2019-04-09
申请号：US14966948
申请日：2015-12-11
发明人： Erick Wong , Ansar Ansari , Parveen Bansal , William Thaw
摘要： A method is disclosed. The method includes transmitting by a computing device, an account creation request to a remote server computer. The method further includes automatically provisioning the computing device with an access token in response to receiving a request to create the account.
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公开(公告)号：US09972005B2
公开(公告)日：2018-05-15
申请号：US14577837
申请日：2014-12-19
发明人： Erick Wong , Christian Flurscheim , Oleg Makhotin , Eduardo Lopez , Sanjeev Sharma , Christopher Jones , Abhishek Guglani , Jarkko Oskari Sevanto , Bharatkumar Patel , Tai Lung Burnnet Or , Christian Aabye , Hao Ngo , John F. Sheets
CPC分类号： G06Q20/327 , G06Q20/32 , G06Q20/322 , G06Q20/3829 , G06Q20/385 , G06Q2220/00 , H04L9/0869 , H04L63/0428 , H04L2209/24
摘要： Techniques for enhancing the security of a communication device when conducting a transaction using the communication device may include using a limited-use key (LUK) to generate a transaction cryptogram, and sending a token instead of a real account identifier and the transaction cryptogram to an access device to conduct the transaction. The LUK may be associated with a set of one or more limited-use thresholds that limits usage of the LUK, and the transaction can be authorized based on at least whether usage of the LUK has exceeded the set of one or more limited-use thresholds.
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公开(公告)号：US11875313B2
公开(公告)日：2024-01-16
申请号：US16365359
申请日：2019-03-26
发明人： Erick Wong
CPC分类号： G06Q20/027 , G06Q20/3223 , G06Q20/4012
摘要： Embodiments of the invention generally relate to mobile payments. For example, an application running on a phone can verify a passcode of a consumer. An indication of whether the passcode was verified and a time associated with when the passcode was verified is then sent to a mobile gateway. Later, when a user conducts one or more transactions, a payment processing network can use the indication sent to the mobile gateway to determine whether a the one or more transactions were conducted within a time window, which can be used to authorize the one or more transactions.
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公开(公告)号：US20220327527A1
公开(公告)日：2022-10-13
申请号：US17842072
申请日：2022-06-16
发明人： Erick Wong , Kiushan Pirzadeh , Oleg Makhotin , Glenn Powell , Igor Karpenko , John Sheets , Frederick Liu
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.
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公开(公告)号：US11250424B2
公开(公告)日：2022-02-15
申请号：US15158926
申请日：2016-05-19
发明人： Erick Wong
摘要： According to one embodiment of the invention, a subtoken corresponding to a primary token is generated. The primary token corresponds to a credential. The credential may be, for example, a primary account number (PAN) corresponding to a payment account. The subtoken may be a temporary, one-time use subtoken based on a primary token associated with the credential that allows a user to conduct a transaction from his or her account, while still providing security for the user's sensitive data. The subtoken may contain a header and an obfuscated portion. The header of the subtoken routes the subtoken to the entity issuing the subtoken for translation into the primary token. The obfuscated portion acts as a pointer to the primary token and data associated with the primary token. A same check digit may be included in the subtoken, the primary token, and the credential, in order to ensure that the transaction is not improperly denied.
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公开(公告)号：US11188901B2
公开(公告)日：2021-11-30
申请号：US15471800
申请日：2017-03-28
发明人： Igor Karpenko , Oleg Makhotin , Kiushan Pirzadeh , Glenn Powell , John Sheets , Erick Wong
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.
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