公开(公告)号：US20120317019A1

公开(公告)日：2012-12-13

申请号：US13481437

申请日：2012-05-25

Applicant: Daniel Wilson Carnes

Inventor： Daniel Wilson Carnes

IPC: G06Q20/24

CPC classification number: H04L63/08 ,  G06Q20/00 ,  G06Q40/00 ,  H04L9/3234 ,  H04L63/061 ,  H04L63/126 ,  H04L2209/80 ,  H04L2463/061 ,  H04L2463/062 ,  H04W4/50 ,  H04W12/02

Abstract: Embodiments of the invention can provide systems and methods for on-line credit card transactions. According to one example embodiment of the invention, a method can be provided. The method can include receiving, from a data manager, credit card information of a user; storing, on a secure element, the credit card information of the user; requesting a transaction with a merchant; receiving, from the merchant, a request for the credit card information; and sending, to the merchant, the credit card information of the user and a card-present indicator.

Abstract translation: 本发明的实施例可以提供用于在线信用卡交易的系统和方法。 根据本发明的一个示例实施例，可以提供一种方法。 该方法可以包括从数据管理器接收用户的信用卡信息; 在安全元件上存储用户的信用卡信息; 要求与商家进行交易; 从商家接收对信用卡信息的请求; 并向商家发送用户的信用卡信息和卡显示指示符。

公开(公告)号：US09106633B2

公开(公告)日：2015-08-11

申请号：US13481364

申请日：2012-05-25

Applicant: Daniel Wilson Carnes

Inventor： Daniel Wilson Carnes

IPC: G06F21/00 ,  H04L29/06 ,  H04L9/32 ,  H04W12/02 ,  G06Q40/00 ,  H04W4/00 ,  G06Q20/00

CPC classification number: H04L63/08 ,  G06Q20/00 ,  G06Q40/00 ,  H04L9/3234 ,  H04L63/061 ,  H04L63/126 ,  H04L2209/80 ,  H04L2463/061 ,  H04L2463/062 ,  H04W4/50 ,  H04W12/02

Abstract: Embodiments of the invention provide systems and methods for authenticating mobile device communications. A mobile device to which a message will be communicated may be identified. Based upon a shared secret between a service provider and the mobile device, a payload authentication code (“PAC”) may be generated, and the generated PAC may be associated with a payload for the message. The message and the generated PAC may then be communicated to the mobile device, and the mobile device may be configured to utilize the shared secret to verify the PAC and authenticate the message. In certain embodiments, the operations of the method may be performed by one or more computers associated with the service provider.

Abstract translation: 本发明的实施例提供了用于认证移动设备通信的系统和方法。 可以识别要传送消息的移动设备。 基于服务提供商和移动设备之间的共享密钥，可以生成有效负载认证码（“PAC”），并且所生成的PAC可以与消息的有效载荷相关联。 然后可以将消息和生成的PAC传送到移动设备，并且移动设备可以被配置为利用共享秘密来验证PAC并验证消息。 在某些实施例中，该方法的操作可以由与服务提供商相关联的一个或多个计算机执行。

公开(公告)号：US20120304255A1

公开(公告)日：2012-11-29

申请号：US13481364

申请日：2012-05-25

Applicant: Daniel Wilson Carnes

Inventor： Daniel Wilson Carnes

IPC: G06F21/00

CPC classification number: H04L63/08 ,  G06Q20/00 ,  G06Q40/00 ,  H04L9/3234 ,  H04L63/061 ,  H04L63/126 ,  H04L2209/80 ,  H04L2463/061 ,  H04L2463/062 ,  H04W4/50 ,  H04W12/02

Abstract: Embodiments of the invention provide systems and methods for authenticating mobile device communications. A mobile device to which a message will be communicated may be identified. Based upon a shared secret between a service provider and the mobile device, a payload authentication code (“PAC”) may be generated, and the generated PAC may be associated with a payload for the message. The message and the generated PAC may then be communicated to the mobile device, and the mobile device may be configured to utilize the shared secret to verify the PAC and authenticate the message. In certain embodiments, the operations of the method may be performed by one or more computers associated with the service provider.

Abstract translation: 本发明的实施例提供了用于认证移动设备通信的系统和方法。 可以识别要传送消息的移动设备。 基于服务提供商和移动设备之间的共享秘密，可以生成有效负载认证码（PAC），并且所生成的PAC可以与消息的有效载荷相关联。 然后可以将消息和生成的PAC传送到移动设备，并且移动设备可以被配置为利用共享秘密来验证PAC并验证消息。 在某些实施例中，该方法的操作可以由与服务提供商相关联的一个或多个计算机执行。