公开(公告)号：US20150278796A1

公开(公告)日：2015-10-01

申请号：US14226798

申请日：2014-03-26

Applicant: GOOGLE INC.

Inventor： Fan Jiang ,  Iyad Assad ,  Aneto Pablo Okonkwo

IPC: G06Q20/32 ,  G06Q20/38

CPC classification number: G06Q20/327 ,  G06Q20/3224 ,  G06Q20/3825 ,  G06Q20/405

Abstract: A method for providing secure offline payments comprises an account system that communicates a signed balance certificate to a user device. The system accesses the user's account, determines the available unlocked funds, creates and signs a balance certificate, and transmits the signed balance certificate to the user device. To complete an offline payment transaction, the user device and a merchant device establish a communication channel. The merchant device transmits a payment request to the user device. A signed withdrawal record and the signed balance certificate are transmitted to the merchant device for verification and completion of the offline payment transaction. The merchant device signs the withdrawal record, transmits it to the user device, and saves it until the merchant device has network access and can transmit the it to the system. The system verifies the withdrawal record and records it in the user's account.

Abstract translation: 用于提供安全离线支付的方法包括将签名的余额证明传送给用户设备的帐户系统。 系统访问用户帐户，确定可用的解锁资金，创建并签署余额证书，并将签名的余额证明书发送给用户设备。 为了完成离线支付交易，用户设备和商家设备建立通信信道。 商家设备向用户设备发送支付请求。 已签署的提款记录和签名的余额凭证被传送到商家设备以进行离线支付交易的验证和完成。 商家设备签收提款记录，将其发送给用户设备，并保存，直到商家设备具有网络访问权限，并将其发送到系统。 系统验证提款记录并将其记录在用户的帐户中。

公开(公告)号：US20140258109A1

公开(公告)日：2014-09-11

申请号：US13794747

申请日：2013-03-11

Applicant: GOOGLE INC.

Inventor： Fan Jiang ,  Aneto Pablo Okonkwo ,  Michael William Springer ,  Gökhan Hasan Bakir

IPC: G06Q20/34

CPC classification number: G06Q20/341 ,  G06Q20/0655 ,  G06Q20/3433 ,  G06Q20/349 ,  G06Q20/352 ,  G06Q20/354 ,  G06Q20/3552 ,  G06Q20/3672 ,  G06Q20/3674 ,  G06Q20/3676 ,  G06Q20/38215 ,  G06Q20/3825 ,  G06Q20/3829 ,  G06Q20/401 ,  G06Q20/407 ,  G06Q20/40975 ,  G07F7/1008

Abstract: Depositing funds onto smart cards for use during processing of purchases. A device creates a deposit request and transmits the request to a remote system. The remote system processes the request and transmits a deposit record to the device, which in turn transmits the record to the smart card. If the device has network access, it transmits a deposit confirmation to the remote system, which updates the smart card account to include the confirmation. If the device unable to connect to the remote system, the deposit confirmation is transmitted when the smart card is involved in a future transaction. During the future transaction, the smart card transmits its transaction history, which comprises the deposit confirmation, to the device, and the device transmits the transaction history to the remote system. The remote system updates the smart card account to include the deposit confirmation.

Abstract translation: 将资金存入智能卡，以便在购买过程中使用。 设备创建存款请求并将请求发送到远程系统。 远程系统处理请求并将存储记录发送到设备，该设备又将该记录传送​​到智能卡。 如果设备具有网络访问权限，则向远程系统发送存款确认信息，以更新智能卡帐户以包含确认。 如果设备无法连接到远程系统，则当智能卡涉及未来的事务时，存储确认被传送。 在未来交易期间，智能卡将其交易历史记录（包括存款确认）发送到设备，并且设备将交易历史发送给远程系统。 远程系统更新智能卡帐户以包含存款确认。

公开(公告)号：US10192214B2

公开(公告)日：2019-01-29

申请号：US13794747

申请日：2013-03-11

Applicant: GOOGLE INC.

Inventor： Fan Jiang ,  Aneto Pablo Okonkwo ,  Michael William Springer ,  Gökhan Hasan Bakir

IPC: G06Q20/34 ,  G06Q20/06 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q20/40 ,  G07F7/10

Abstract: Depositing funds onto smart cards for use during processing of purchases. A device creates a deposit request and transmits the request to a remote system. The remote system processes the request and transmits a deposit record to the device, which in turn transmits the record to the smart card. If the device has network access, it transmits a deposit confirmation to the remote system, which updates the smart card account to include the confirmation. If the device unable to connect to the remote system, the deposit confirmation is transmitted when the smart card is involved in a future transaction. During the future transaction, the smart card transmits its transaction history, which comprises the deposit confirmation, to the device, and the device transmits the transaction history to the remote system. The remote system updates the smart card account to include the deposit confirmation.

公开(公告)号：US20150278795A1

公开(公告)日：2015-10-01

申请号：US14226785

申请日：2014-03-26

Applicant: GOOGLE INC.

Inventor： Fan Jiang ,  Aneto Pablo Okonkwo ,  Erwin Aitenbichler

IPC: G06Q20/32 ,  G06Q20/38

CPC classification number: G06Q20/32 ,  G06Q20/12 ,  G06Q20/3278 ,  G06Q20/38215 ,  G06Q20/3823 ,  G06Q20/3829 ,  G06Q20/388 ,  G06Q20/40

Abstract: A method for providing secure offline payments comprises an account system that communicates a signed balance certificate to a user device. The system accesses the user's account, determines the available unlocked funds, creates and signs a balance certificate, and transmits the signed balance certificate to the user device. To complete an offline payment transaction, the user device and a merchant device establish a communication channel. The merchant device transmits a payment request to the user device. A signed withdrawal record and the signed balance certificate are transmitted to the merchant device for verification and completion of the offline payment transaction. The merchant device signs the withdrawal record, transmits it to the user device, and saves it until the merchant device has network access and can transmit the it to the system. The system verifies the withdrawal record and records it in the user's account.

Abstract translation: 用于提供安全离线支付的方法包括将签名的余额证明传送给用户设备的帐户系统。 系统访问用户帐户，确定可用的解锁资金，创建并签署余额证书，并将签名的余额证明书发送给用户设备。 为了完成离线支付交易，用户设备和商家设备建立通信信道。 商家设备向用户设备发送支付请求。 已签署的提款记录和签名的余额凭证被传送到商家设备以进行离线支付交易的验证和完成。 商家设备签收提款记录，将其发送给用户设备，并保存，直到商家设备具有网络访问权限，并将其发送到系统。 系统验证提款记录并将其记录在用户的帐户中。

公开(公告)号：US20150073953A1

公开(公告)日：2015-03-12

申请号：US14539990

申请日：2014-11-12

Applicant: GOOGLE INC.

Inventor： Michael William Springer ,  Ismail Cem Paya ,  Margorzata Monika Lisowiec ,  Aneto Pablo Okonkwo, IV ,  Patrick Pui Wah Leung ,  Fan Jiang

IPC: G06Q40/00 ,  G06Q20/32

CPC classification number: G06Q40/12 ,  G06Q20/3278 ,  G06Q20/343 ,  G06Q20/353 ,  G06Q20/367 ,  G06Q20/3823 ,  G06Q20/4018 ,  H04B5/0056

Abstract: Preventing fraud during an offline transaction by encoding a randomly-generated card verification code onto a smart card. The verification code is transmitted to a contactless device during each transaction, wherein it is cross-referenced with the account number to ensure presence of the card. Also, every transaction record is signed by an access key resident on the contactless device and certified by a signing key resident on a remote system. Funds may be deposited onto the card when the contactless device creates a deposit request, signs the request using an access key and transmits it to the remote system, which in turn processes the request and certifies it with a signing key. Funds may be withdrawn when the contactless device creates a withdrawal record and signs it using an access key. The remote system verifies the signatures and certifies the records using a signing key when the records are later transmitted.

Abstract translation: 通过将随机生成的卡片验证码编码到智能卡上来防止脱机事务期间的欺诈。 在每次交易期间，将验证码发送到非接触式设备，其中与帐号交叉参考以确保卡的存在。 此外，每个交易记录由驻留在非接触式设备上的访问密钥签名，并由驻留在远程系统上的签名密钥进行认证。 当非接触式设备创建存款请求时，可以将资金存入卡上，使用访问密钥对该请求进行签名并将其发送到远程系统，该远程系统又处理该请求并用签名密钥来证明该请求。 无接触设备创建提款记录并使用访问密钥对其进行签名时，可以撤销资金。 当记录稍后传送时，远程系统使用签名密钥验证签名并验证记录。