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公开(公告)号：US20170255937A1
公开(公告)日：2017-09-07
申请号：US15058988
申请日：2016-03-02
CPC分类号： G06Q20/4016 , G06Q20/3674 , G06Q20/38215 , G06Q20/3829
摘要： A system may receive a request for a payment payload for a payment transaction with the request including a token and a transaction amount. The token may identify a transaction account for use in the payment transaction. The system may assess the risk of fraud associated with the transaction account and the payment transaction. The system may return the payment payload in response to a favorable risk assessment. The payment payload may be passed to a merchant and from the merchant to a payment network for evaluation. The payment transaction may be approved or declined based on the contents of received payment payload matching the contents of a generated payment payload.
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公开(公告)号：US20160379208A1
公开(公告)日：2016-12-29
申请号：US14936294
申请日：2015-11-09
CPC分类号： G06Q20/363 , G06Q20/322 , G06Q20/3674 , G06Q20/3829 , G06Q20/385 , G06Q20/409 , G06Q2220/00
摘要： A system may receive a transaction request from a user device, and request an in-app cryptogram from a network software development kit (SDK) on the user device. The in-app cryptogram may include an unpredictable number, an application transaction counter (ATC), and a card verification result (CVR), and the ATC may be extracted from a limited use payment credential (LUPC). The system may transmit a token, a token expiry, and a token data block for an assessment by a payment network, with the token data block including the token, the token expiry, the ATC, and/or the in-app cryptogram. The system may further receive a request from the payment network to update the LUPC on the user device, and attest that the user device is secure in response to the request from the payment network to refresh the LUPC on the user device.
摘要翻译： 系统可以从用户设备接收交易请求，并从用户设备上的网络软件开发工具包（SDK）请求应用内密码。 应用内密码可以包括不可预测的号码，应用交易计数器（ATC）和卡验证结果（CVR），并且可以从有限使用支付凭证（LUPC）中提取ATC。 系统可以传送令牌，令牌到期和用于由支付网络进行评估的令牌数据块，令牌数据块包括令牌，令牌到期，ATC和/或应用内密码。 系统还可以从支付网络进一步接收请求以更新用户设备上的LUPC，并且证明用户设备响应于来自支付网络的刷新用户设备上的LUPC的请求是安全的。
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公开(公告)号：US20140147051A1
公开(公告)日：2014-05-29
申请号：US14170012
申请日：2014-01-31
IPC分类号： G06K9/00
CPC分类号： G06K9/00442 , G06F11/3688 , G06K9/6202
摘要： A regression testing system comprises an automatic test tool configured to capture a first web screen shot and a second web screen shot of a webpage, where the webpage has undergone an update or edit. The regression testing system also comprises a visual comparator configured to identify similar areas in the first web screen shot and the second web screen shot. The visual comparator receives, and compares characteristics of, the web screen shots. Furthermore, the regression testing system generates a report with marked different characteristics between the first and second web screen shots. The regression testing system identifies similar areas in the first and second web screen shots shot even if the similar areas are at different locations within the web screen shots. The comparison performed by the visual comparator includes performing a pixel comparison combined with a marking algorithm to group differences in smaller, related but separate areas.
摘要翻译： 回归测试系统包括自动测试工具，其被配置为捕获网页的第一网络屏幕截图和第二网络屏幕截图，网页已经经历了更新或编辑。 回归测试系统还包括被配置为识别第一网络屏幕截图和第二网络屏幕截图中的相似区域的视觉比较器。 视觉比较器接收并比较网络屏幕截图的特征。 此外，回归测试系统生成在第一和第二Web屏幕截图之间具有不同特征的报告。 回归测试系统识别第一和第二网络屏幕截图中的相似区域，即使相似的区域在网络屏幕截图内的不同位置。 由可视比较器执行的比较包括执行与标记算法组合的像素比较，以对较小的相关但分开的区域中的差异进行分组。
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公开(公告)号：US11995632B1
公开(公告)日：2024-05-28
申请号：US17371256
申请日：2021-07-09
发明人： Hong Liu , Keshav A. Narsipur
CPC分类号： G06Q20/3223 , G06Q20/20 , G06Q20/3278 , G06Q20/3674 , G06Q20/4014
摘要： Disclosed are various embodiments for a point of sale terminal for a mobile device. In some embodiments, a system comprises a computing device that is configured to receive a transmission for a mobile device from a merchant and establish a first network connection with a virtual terminal system for the merchant. The virtual terminal system is activated and a first identifier for the mobile device is received through the first network connection. The first identifier is matched with a second identifier from an information database. A second network connection is established with the POS terminal for the second identifier. A payment token for a transaction is received from the POS terminal through the second network connection. A transaction acceptance is communicated through the first network connection to the virtual terminal system for the merchant.
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公开(公告)号：US11869030B1
公开(公告)日：2024-01-09
申请号：US16698054
申请日：2019-11-27
发明人： Manish K. Deliwala , Rajesh K. Namboodiri , Keshav A. Narsipur , Huei Ong , Tony Prentice , Lisa C. Yokoyama , Santhosh R. Rao
IPC分类号： G06Q30/0226 , G06Q20/38 , G06Q20/36
CPC分类号： G06Q30/0226 , G06Q20/367 , G06Q20/385 , G06Q20/387
摘要： A system for using loyalty rewards accounts in a digital wallet may generate a mapping comprising an account mapped to a wallet token number and an indicator with the mapping stored in a database on a network of servers. The indicator may indicate an account type, and the wallet token number may be transmitted to a user device. The system may also receive a transaction request including a received wallet token number and a received indicator The indicator may be matched to the received indicator to determine the received wallet token number is associated with the account type (e.g., a loyalty rewards account). The system may route the transaction request to a loyalty settlement process in response to the account type being a loyalty rewards account.
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公开(公告)号：US10997590B2
公开(公告)日：2021-05-04
申请号：US14936294
申请日：2015-11-09
摘要： A system may receive a transaction request from a user device, and request an in-app cryptogram from a network software development kit (SDK) on the user device. The in-app cryptogram may include an unpredictable number, an application transaction counter (ATC), and a card verification result (CVR), and the ATC may be extracted from a limited use payment credential (LUPC). The system may transmit a token, a token expiry, and a token data block for an assessment by a payment network, with the token data block including the token, the token expiry, the ATC, and/or the in-app cryptogram. The system may further receive a request from the payment network to update the LUPC on the user device, and attest that the user device is secure in response to the request from the payment network to refresh the LUPC on the user device.
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公开(公告)号：US20170132610A1
公开(公告)日：2017-05-11
申请号：US15411098
申请日：2017-01-20
发明人： Manish K. Deliwala , Jason E. Muncey , Keshav A. Narsipur , Sreenivasan B. Parameshwara , Manoj Krishnamma Thulaseedharan Pillai , Anthony I. Prentice , Lisa C. Yokoyama
CPC分类号： G06Q20/3278 , G06F17/30879 , G06K19/0702 , G06K19/0716 , G06Q20/105 , G06Q20/20 , G06Q20/204 , G06Q20/3224 , G06Q20/3226 , G06Q20/385
摘要： Systems and methods may comprise RFID data acquisition technology which may be embedded in a fob or tag for use in completing financial transactions. This fob may a self-contained device which includes a transponder and which may be contained on any portable form factor. For instance, the tag may be housed in a wearable transaction instrument, such as an activity tracker. The tag is configured to be used in concert with an RFID reader device.
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公开(公告)号：US12056683B2
公开(公告)日：2024-08-06
申请号：US16249668
申请日：2019-01-16
发明人： Jason E. Muncey , Keshav A. Narsipur , Sreenivasan B. Parameshwara , Manoj Krishnamma Thulaseedharan Pillai
CPC分类号： G06Q20/3278 , G06F16/9554 , G06K19/0702 , G06K19/0716 , G06Q20/105 , G06Q20/20 , G06Q20/204 , G06Q20/3224 , G06Q20/3226 , G06Q20/385
摘要： Systems and methods may comprise RFID data acquisition technology which may be embedded in a fob or tag for use in completing financial transactions. This fob may a self-contained device which includes a transponder and which may be contained on any portable form factor. For instance, the tag may be housed in a wearable transaction instrument, such as an activity tracker. The tag is configured to be used in concert with an RFID reader device.
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公开(公告)号：US20230385865A1
公开(公告)日：2023-11-30
申请号：US18446760
申请日：2023-08-09
发明人： Manish K. Deliwala , Rajesh K. Namboodiri , Keshav A. Narsipur , Huei Ong , Tony Prentice , Lisa C. Yokoyama , Santhosh R. Rao
IPC分类号： G06Q30/0226 , G06Q20/36 , G06Q20/38
CPC分类号： G06Q30/0226 , G06Q20/367 , G06Q20/387 , G06Q20/385
摘要： A system for using loyalty rewards accounts in a digital wallet may add a loyalty rewards account as a payment medium to a digital wallet application by transmitting a token that identifies the loyalty rewards account to the digital wallet application, wherein the token includes an alias account identifier that is mapped to the loyalty rewards account; and transmitting a transaction request for the transaction, wherein the transaction request includes the token that identifies the loyalty rewards account as the payment medium for the transaction, wherein the token further includes an indicator that specifies an account type for the loyalty rewards account and is configured for routing the transaction request to the loyalty settlement process during settlement processing.
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公开(公告)号：US11182793B2
公开(公告)日：2021-11-23
申请号：US15058988
申请日：2016-03-02
摘要： A system may receive a request for a payment payload for a payment transaction with the request including a token and a transaction amount. The token may identify a transaction account for use in the payment transaction. The system may assess the risk of fraud associated with the transaction account and the payment transaction. The system may return the payment payload in response to a favorable risk assessment. The payment payload may be passed to a merchant and from the merchant to a payment network for evaluation. The payment transaction may be approved or declined based on the contents of received payment payload matching the contents of a generated payment payload.
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