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公开(公告)号：US20190156335A1
公开(公告)日：2019-05-23
申请号：US15821728
申请日：2017-11-22
摘要： A payment token is generated within a token bank identification number (BIN) range, and is linked with an underlying account number of a consumer. A first instance of the token is made available in at least one of a first portable electronic device, a first mobile payment application (MPA), and a first web wallet of the consumer with an associated first primary account sequence number (PSN). A second instance of the token is made available in at least one of a second portable electronic device, a second mobile payment application (MPA), and a second web wallet of the consumer with an associated second primary account sequence number (PSN).
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公开(公告)号：US12093936B2
公开(公告)日：2024-09-17
申请号：US17562366
申请日：2021-12-27
发明人： Ilgin Safak
CPC分类号： G06Q20/3825 , G06Q20/382 , G06Q20/3823 , G06Q20/3827 , G06Q20/3829 , G06Q20/385 , H04L9/0637 , G06Q20/20 , H04L9/50 , H04L2209/56
摘要： A method for consumer-initiated transactions with encrypted tokens includes: storing a first cryptographic key pair comprising an account public key and an account private key, a merchant public key, an account token associated with a transaction account, an account identifier, and an issuing institution identifier; receiving transaction data for a proposed payment transaction including a transaction amount; generating a transaction order including the transaction data; generating a cryptographic checksum for the generated transaction order; generating a digital signature over the cryptographic checksum using the account private key; generating a payment token including the issuing institution identifier, the account identifier, the transaction amount, and the account token; encrypting the payment token using the account private key; and transmitting the encrypted payment token and signed cryptographic checksum to a point of sale device.
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公开(公告)号：US11044074B2
公开(公告)日：2021-06-22
申请号：US16253423
申请日：2019-01-22
摘要： A method for maintaining state and event information for all of a user's devices associated in a common location using a blockchain where each block includes an event block and a device block within it, where each event and device block refers to an earlier block of the respective type, resulting in a blockchain-in-a-blockchain architecture. The device and event blocks store data regarding each device associated with a user and events related to the devices/user, respectively. Any time a new event occurs, or a device is registered or removed, a new set of blocks is created, where submissions regarding device changes or events can be made by any participant due to the decentralized and public nature of a blockchain. The result is a system where all data regarding a user's registered devices and events is kept in a common location in a manner that is auditable and verifiable.
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公开(公告)号：US10963871B2
公开(公告)日：2021-03-30
申请号：US15821728
申请日：2017-11-22
摘要： A payment token is generated within a token bank identification number (BIN) range, and is linked with an underlying account number of a consumer. A first instance of the token is made available in at least one of a first portable electronic device, a first mobile payment application (MPA), and a first web wallet of the consumer with an associated first primary account sequence number (PSN). A second instance of the token is made available in at least one of a second portable electronic device, a second mobile payment application (MPA), and a second web wallet of the consumer with an associated second primary account sequence number (PSN).
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5.发明申请公开(公告)号：US20200235911A1
公开(公告)日：2020-07-23
申请号：US16253423
申请日：2019-01-22
摘要： A method for maintaining state and event information for all of a user's devices associated in a common location using a blockchain where each block includes an event block and a device block within it, where each event and device block refers to an earlier block of the respective type, resulting in a blockchain-in-a-blockchain architecture. The device and event blocks store data regarding each device associated with a user and events related to the devices/user, respectively. Any time a new event occurs, or a device is registered or removed, a new set of blocks is created, where submissions regarding device changes or events can be made by any participant due to the decentralized and public nature of a blockchain. The result is a system where all data regarding a user's registered devices and events is kept in a common location in a manner that is auditable and verifiable.
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公开(公告)号：US11558181B2
公开(公告)日：2023-01-17
申请号：US17333168
申请日：2021-05-28
IPC分类号： G06F21/64 , H04L9/06 , G06Q20/38 , H04L9/08 , H04L9/32 , H04L9/30 , G06F21/60 , G06F21/16 , H04L9/00
摘要： A method for maintaining state and event information for all of a user's devices associated in a common location using a blockchain where each block includes an event block and a device block within it, where each event and device block refers to an earlier block of the respective type, resulting in a blockchain-in-a-blockchain architecture. The device and event blocks store data regarding each device associated with a user and events related to the devices/user, respectively. Any time a new event occurs, or a device is registered or removed, a new set of blocks is created, where submissions regarding device changes or events can be made by any participant due to the decentralized and public nature of a blockchain. The result is a system where all data regarding a user's registered devices and events is kept in a common location in a manner that is auditable and verifiable.
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公开(公告)号：US11227284B2
公开(公告)日：2022-01-18
申请号：US15840069
申请日：2017-12-13
发明人： Ilgin Safak
摘要： A method for consumer-initiated transactions with encrypted tokens includes: storing a first cryptographic key pair comprising an account public key and an account private key, a merchant public key, an account token associated with a transaction account, an account identifier, and an issuing institution identifier; receiving transaction data for a proposed payment transaction including a transaction amount; generating a transaction order including the transaction data; generating a cryptographic checksum for the generated transaction order; generating a digital signature over the cryptographic checksum using the account private key; generating a payment token including the issuing institution identifier, the account identifier, the transaction amount, and the account token; encrypting the payment token using the account private key; and transmitting the encrypted payment token and signed cryptographic checksum to a point of sale device.
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公开(公告)号：US20190385160A1
公开(公告)日：2019-12-19
申请号：US16012222
申请日：2018-06-19
发明人： Ilgin Safak , Niravkumar Pandya
摘要： Methods, apparatus and systems for permitting a cardholder to select a cardholder verification method (CVM) during a secure transaction. In an embodiment, a consumer mobile device running a mobile payment application receives, from a cardholder, selection of a payment account and an instruction to pay via one of contactless, barcode, SRC or digital secure remote payment (DSRP). The consumer mobile device then transmits a request for a secure transaction to a merchant device, receives a request for payment account data, displays a plurality of cardholder verification methods (CVMs), receives selection of a CVM, and prompts the cardholder to provide cardholder identification data in accordance with the selected CVM. The process also includes receiving and authenticating, by the consumer mobile device, the cardholder identification data from the cardholder, generating a cryptogram in accordance with the selected CVM, and transmitting transaction data including payment account data and the cryptogram to the merchant device.
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公开(公告)号：US20190066089A1
公开(公告)日：2019-02-28
申请号：US15686432
申请日：2017-08-25
摘要： Methods, systems and apparatus for conducting secure transactions using digital barcodes. In an embodiment, a consumer mobile device launches a mobile payment application and then receives selection of a payment card account and an instruction to pay via a digital barcode by a cardholder. The consumer mobile device then generates at least one of a dynamic quick response (QR) code and a barcode, displays the QR code and/or the barcode on a display component, receives a purchase transaction confirmation request including merchant identification data and a transaction amount, and displays a confirmation notification for approval by the cardholder. After receiving a confirmation response, the consumer mobile device transmits the confirmation response to a digital enablement system (DES) computer. In some implementations, after transaction authorization, the consumer mobile device may receive and display a transaction completed confirmation message.
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