公开(公告)号：US10776776B2

公开(公告)日：2020-09-15

申请号：US16365058

申请日：2019-03-26

Applicant: XROMB INC.

Inventor： Mikhail Kushevsky ,  Michael Fainshtein ,  Valdis Andris Martinsons

IPC: G06Q20/34 ,  G06Q20/22 ,  G06Q20/32 ,  G06Q30/06 ,  G06Q20/36 ,  G06K19/07

Abstract: The embodiments described herein provide in one aspect, a method of loading a transaction card account onto a mobile device, the mobile device comprising a memory and a contactless reader, the method comprising: reading, via the contactless reader, transaction card information from a physical contactless transaction card corresponding to the transaction card account; sending a retrieval message, to an issuer server, to retrieve a card security credential for the transaction card account, the retrieval message comprising the transaction card information for identifying the transaction card account at the issuer server; receiving, from the issuer server, a card security credential for the transaction card account; and storing, the transaction card information and the card security credential as a transaction card corresponding to the transaction account, on the memory of the mobile device.

公开(公告)号：US20160239828A1

公开(公告)日：2016-08-18

申请号：US15139415

申请日：2016-04-27

Applicant: XROMB INC.

Inventor： Mikhail Kushevsky ,  Michael Fainshtein ,  Valdis Andris Martinsons

IPC: G06Q20/34 ,  G06K19/07 ,  G06Q20/32 ,  G06Q20/36

CPC classification number: G06Q20/352 ,  G06K19/0723 ,  G06Q20/227 ,  G06Q20/322 ,  G06Q20/327 ,  G06Q20/3278 ,  G06Q20/3672 ,  G06Q20/3674 ,  G06Q30/0601

Abstract: The embodiments described herein provide in one aspect, a method of loading a transaction card account onto a mobile device, the mobile device comprising a memory and a contactless reader, the method comprising: reading, via the contactless reader, transaction card information from a physical contactless transaction card corresponding to the transaction card account; sending a retrieval message, to an issuer server, to retrieve a card security credential for the transaction card account, the retrieval message comprising the transaction card information for identifying the transaction card account at the issuer server; receiving, from the issuer server, a card security credential for the transaction card account; and storing, the transaction card information and the card security credential as a transaction card corresponding to the transaction account, on the memory of the mobile device.

公开(公告)号：US20140252087A1

公开(公告)日：2014-09-11

申请号：US14284826

申请日：2014-05-22

Applicant: XROMB INC.

Inventor： Mikhail Kushevsky ,  Michael Fainshtein ,  Valdis Andris Martinsons

IPC: G06Q20/36

CPC classification number: G06Q20/352 ,  G06K19/0723 ,  G06Q20/227 ,  G06Q20/322 ,  G06Q20/327 ,  G06Q20/3278 ,  G06Q20/3672 ,  G06Q20/3674 ,  G06Q30/0601

Abstract: The embodiments described herein provide in one aspect, a method of loading a transaction card account onto a mobile device, the mobile device comprising a memory and a contactless reader, the method comprising: reading, via the contactless reader, transaction card information from a physical contactless transaction card corresponding to the transaction card account; sending a retrieval message, to an issuer server, to retrieve a card security credential for the transaction card account, the retrieval message comprising the transaction card information for identifying the transaction card account at the issuer server; receiving, from the issuer server, a card security credential for the transaction card account; and storing, the transaction card information and the card security credential as a transaction card corresponding to the transaction account, on the memory of the mobile device.

Abstract translation: 这里描述的实施例在一个方面提供了一种将交易卡帐户加载到移动设备上的方法，该移动设备包括存储器和非接触读取器，该方法包括：经由非接触读取器从物理上读取交易卡信息 对应交易卡账户的非接触式交易卡; 向所述发行者服务器发送检索消息以检索所述交易卡帐户的卡安全凭证，所述检索消息包括用于在发行方服务器处识别交易卡帐户的交易卡信息; 从发行者服务器接收交易卡账户的卡安全凭证; 以及将交易卡信息和卡安全凭证作为与交易账户对应的交易卡存储在移动设备的存储器上。

公开(公告)号：US20210256507A1

公开(公告)日：2021-08-19

申请号：US17161721

申请日：2021-01-29

Applicant: XRomb Inc.

Inventor： Mikhail Kushevsky ,  Michael Fainshtein ,  Valdis Andris Martinsons

IPC: G06Q20/36 ,  G06Q20/32 ,  G06Q20/40 ,  H04W12/08

Abstract: A method and system for processing payment during an electronic commerce transaction is described herein. The system includes: a mobile device configured to provide an electronic wallet storing a payment card, the payment card comprising card payment information, and a card security credential. The system may also include a coordination server configured to receive a request to conduct the electronic commerce transaction, and send an activation message to the mobile device to activate the electronic wallet. When the electronic wallet is activated, the mobile device may be further configured to: receive a card selection input indicating selection of the payment card for payment in the electronic commerce transaction; verify a security input against the card security credential of the payment card; and send the card payment information and confirmation that the payment card was present during the verifying for use in completing the electronic commerce transaction.

公开(公告)号：US20200058017A1

公开(公告)日：2020-02-20

申请号：US16365058

申请日：2019-03-26

Applicant: XROMB INC.

Inventor： Mikhail Kushevsky ,  Michael Fainshtein ,  Valdis Andris Martinsons

IPC: G06Q20/34 ,  G06K19/07 ,  G06Q20/32 ,  G06Q20/36 ,  G06Q30/06 ,  G06Q20/22

Abstract: The embodiments described herein provide in one aspect, a method of loading a transaction card account onto a mobile device, the mobile device comprising a memory and a contactless reader, the method comprising: reading, via the contactless reader, transaction card information from a physical contactless transaction card corresponding to the transaction card account; sending a retrieval message, to an issuer server, to retrieve a card security credential for the transaction card account, the retrieval message comprising the transaction card information for identifying the transaction card account at the issuer server; receiving, from the issuer server, a card security credential for the transaction card account; and storing, the transaction card information and the card security credential as a transaction card corresponding to the transaction account, on the memory of the mobile device.

公开(公告)号：US09767453B2

公开(公告)日：2017-09-19

申请号：US13686982

申请日：2012-11-28

Applicant: XRomb Inc.

Inventor： Mikhail Kushevsky ,  Michael Fainshtein ,  Valdis Andris Martinsons

IPC: G06Q20/36 ,  G06Q20/32 ,  G06Q20/40

CPC classification number: G06Q20/3674 ,  G06Q20/322 ,  G06Q20/3255 ,  G06Q20/36 ,  G06Q20/4012 ,  G06Q20/405

Abstract: A method and system for processing payment during an electronic commerce transaction is described herein. The system includes: a mobile device configured to provide an electronic wallet storing a payment card, the payment card comprising card payment information, and a card security credential. The system may also include a coordination server configured to receive a request to conduct the electronic commerce transaction, and send an activation message to the mobile device to activate the electronic wallet. When the electronic wallet is activated, the mobile device may be further configured to: receive a card selection input indicating selection of the payment card for payment in the electronic commerce transaction; verify a security input against the card security credential of the payment card; and send the card payment information and confirmation that the payment card was present during the verifying for use in completing the electronic commerce transaction.

公开(公告)号：US10937022B2

公开(公告)日：2021-03-02

申请号：US15678193

申请日：2017-08-16

Applicant: XRomb Inc.

Inventor： Mikhail Kushevsky ,  Michael Fainshtein ,  Valdis Andris Martinsons

IPC: G06Q20/36 ,  G06Q20/32 ,  G06Q20/40 ,  H04W12/08

Abstract: A method and system for processing payment during an electronic commerce transaction is described herein. The system includes: a mobile device configured to provide an electronic wallet storing a payment card, the payment card comprising card payment information, and a card security credential. The system may also include a coordination server configured to receive a request to conduct the electronic commerce transaction, and send an activation message to the mobile device to activate the electronic wallet. When the electronic wallet is activated, the mobile device may be further configured to: receive a card selection input indicating selection of the payment card for payment in the electronic commerce transaction; verify a security input against the card security credential of the payment card; and send the card payment information and confirmation that the payment card was present during the verifying for use in completing the electronic commerce transaction.

公开(公告)号：US10269007B2

公开(公告)日：2019-04-23

申请号：US15139415

申请日：2016-04-27

Applicant: XROMB INC.

Inventor： Mikhail Kushevsky ,  Michael Fainshtein ,  Valdis Andris Martinsons

IPC: G06K19/07 ,  G06Q20/22 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/36 ,  G06Q30/06

Abstract: The embodiments described herein provide in one aspect, a method of loading a transaction card account onto a mobile device, the mobile device comprising a memory and a contactless reader, the method comprising: reading, via the contactless reader, transaction card information from a physical contactless transaction card corresponding to the transaction card account; sending a retrieval message, to an issuer server, to retrieve a card security credential for the transaction card account, the retrieval message comprising the transaction card information for identifying the transaction card account at the issuer server; receiving, from the issuer server, a card security credential for the transaction card account; and storing, the transaction card information and the card security credential as a transaction card corresponding to the transaction account, on the memory of the mobile device.

公开(公告)号：US20170344979A1

公开(公告)日：2017-11-30

申请号：US15678193

申请日：2017-08-16

Applicant: XRomb Inc.

Inventor： Mikhail Kushevsky ,  Michael Fainshtein ,  Valdis Andris Martinsons

IPC: G06Q20/36 ,  G06Q20/32 ,  G06Q20/40

CPC classification number: G06Q20/3674 ,  G06Q20/322 ,  G06Q20/3255 ,  G06Q20/36 ,  G06Q20/4012 ,  G06Q20/405 ,  H04W4/14 ,  H04W12/08

Abstract: A method and system for processing payment during an electronic commerce transaction is described herein. The system includes: a mobile device configured to provide an electronic wallet storing a payment card, the payment card comprising card payment information, and a card security credential. The system may also include a coordination server configured to receive a request to conduct the electronic commerce transaction, and send an activation message to the mobile device to activate the electronic wallet. When the electronic wallet is activated, the mobile device may be further configured to: receive a card selection input indicating selection of the payment card for payment in the electronic commerce transaction; verify a security input against the card security credential of the payment card; and send the card payment information and confirmation that the payment card was present during the verifying for use in completing the electronic commerce transaction.

公开(公告)号：US09349125B2

公开(公告)日：2016-05-24

申请号：US14284826

申请日：2014-05-22

Applicant: XROMB INC.

Inventor： Mikhail Kushevsky ,  Michael Fainshtein ,  Valdis Andris Martinsons

IPC: G06Q20/36 ,  G06Q30/06 ,  G06Q20/32

CPC classification number: G06Q20/352 ,  G06K19/0723 ,  G06Q20/227 ,  G06Q20/322 ,  G06Q20/327 ,  G06Q20/3278 ,  G06Q20/3672 ,  G06Q20/3674 ,  G06Q30/0601

Abstract: The embodiments described herein provide in one aspect, a method of loading a transaction card account onto a mobile device, the mobile device comprising a memory and a contactless reader, the method comprising: reading, via the contactless reader, transaction card information from a physical contactless transaction card corresponding to the transaction card account; sending a retrieval message, to an issuer server, to retrieve a card security credential for the transaction card account, the retrieval message comprising the transaction card information for identifying the transaction card account at the issuer server; receiving, from the issuer server, a card security credential for the transaction card account; and storing, the transaction card information and the card security credential as a transaction card corresponding to the transaction account, on the memory of the mobile device.

Abstract translation: 这里描述的实施例在一个方面提供了一种将交易卡帐户加载到移动设备上的方法，该移动设备包括存储器和非接触读取器，该方法包括：经由非接触读取器从物理上读取交易卡信息 对应交易卡账户的非接触式交易卡; 向所述发行者服务器发送检索消息以检索所述交易卡帐户的卡安全凭证，所述检索消息包括用于在发行方服务器处识别交易卡帐户的交易卡信息; 从发行者服务器接收交易卡账户的卡安全凭证; 以及将交易卡信息和卡安全凭证作为与交易账户对应的交易卡存储在移动设备的存储器上。