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公开(公告)号：US20250014030A1
公开(公告)日：2025-01-09
申请号：US18885726
申请日：2024-09-15
Applicant: Royal Bank of Canada
Inventor： Edison U. ORTIZ , Terry W. LEE , Gabriel Y. WOO , Stephen James SCOTT , Weiqiang YIN , Judy DINN , Chai LAM
Abstract: Systems, methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems include trusted platforms by which networked communication devices and merchant systems may be registered as trusted entities. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets, or in the form of secure payment tokens. Common application programming interfaces executed by devices may facilitate push and pull processes between electronic wallets and other secure data stores. Users may thereby initiate and complete electronic transactions directly from within applications on trusted devices.
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公开(公告)号：US20230394482A1
公开(公告)日：2023-12-07
申请号：US18219945
申请日：2023-07-10
Applicant: ROYAL BANK OF CANADA
Inventor： Stephen James SCOTT , Weiqiang YIN , Edison U. ORTIZ , Terry W. LEE , Gabriel Y. WOO , Judy DINN , Chai LAM
CPC classification number: G06Q20/40 , G06Q20/36 , G06Q20/12 , G06Q20/023
Abstract: Systems, methods and data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems include trusted platforms by which networked communication devices and merchant systems may registered as trusted entities. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets, or in the form of secure payment tokens. Among other improvements, the invention enables the use of multiple payment accounts to fund purchases and other electronic transactions.
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公开(公告)号：US20220020016A1
公开(公告)日：2022-01-20
申请号：US17389984
申请日：2021-07-30
Applicant: ROYAL BANK OF CANADA
Inventor： Stephen James SCOTT , Weiqiang YIN , Edison U. ORTIZ , Terry W. LEE , Gabriel Y. WOO , Judy DINN , Chai LAM
Abstract: Systems (100, 900), methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems (100) include trusted platforms (120) by which networked communication devices (110) and merchant systems (130) may registered as trusted entities 110′, 130. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets (112), or in the form of secure payment tokens. Among other improvements, the invention enables the use of multiple payment accounts to fund purchases and other electronic transactions.
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Patent Agency Ranking
公开(公告)号：US20220020015A1
公开(公告)日：2022-01-20
申请号：US17387711
申请日：2021-07-28
Applicant: ROYAL BANK OF CANADA
Inventor： Edison U. ORTIZ , Terry W. LEE , Gabriel Y. WOO , Stephen James SCOTT , Weiqiang YIN , Judy DINN , Chai LAM
Abstract: Systems (100), methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems (100) include trusted platforms (120) by which networked communication devices (110) and merchant systems (130) may registered as trusted entities 110′, 130. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets (112), or in the form of secure payment tokens. Common application programming interfaces executed by devices (110) may facilitate push and pull processes between electronic wallets (112) and other secure data stores (136, 120, 160). Users (190) may thereby initiate and complete electronic transactions directly from within applications on trusted devices (110′).
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公开(公告)号：US20160210626A1
公开(公告)日：2016-07-21
申请号：US15000685
申请日：2016-01-19
Applicant: Royal Bank of Canada
Inventor： Edison U. ORTIZ , Terry W. LEE , Gabriel Y. WOO , Stephen James SCOTT , Weiqiang YIN
CPC classification number: G06Q20/40 , G06Q20/023 , G06Q20/12
Abstract: Systems (100), methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems (100) include trusted platforms (120) by which networked communication devices (110) and merchant systems (130) may registered as trusted entities 110′, 130. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets (112), or in the form of secure payment tokens. Common application programming interfaces executed by devices (110) may facilitate push and pull processes between electronic wallets (112) and other secure data stores (136, 120, 160). Users (190) may thereby initiate and complete electronic transactions directly from within applications on trusted devices (110′).
Abstract translation: 用于处理用于电子支付交易和其他安全数据处理的电子数据的安全创建，管理，操作，处理和存储的数据的系统（100），方法和机器可执行数据结构。 这种系统（100）的方面包括可信平台（120），网络通信设备（110）和商家系统（130）可以通过该平台登记为可信实体110'，130。与特定支付手段相关联的信息，例如帐户或支付令牌 ，可以存储在称为虚拟或电子钱包（112）的设备上的安全数据集中，或以安全的付款令牌的形式存储。 由设备（110）执行的公共应用编程接口可以促进电子钱包（112）和其他安全数据存储（136,120,160）之间的推送和拉出处理。 因此，用户（190）可以直接从可信设备（110'）上的应用内发起和完成电子交易。
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公开(公告)号：US20230289793A1
公开(公告)日：2023-09-14
申请号：US18199809
申请日：2023-05-19
Applicant: ROYAL BANK OF CANADA
Inventor： Edison U. ORTIZ , Terry W. LEE , Gabriel Y. WOO , Stephen James SCOTT , Weiqiang YIN , Judy DINN , Chai LAM
CPC classification number: G06Q20/40 , G06Q20/12 , G06Q20/023
Abstract: Systems, methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems include trusted platforms by which networked communication devices and merchant systems may be registered as trusted entities. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets, or in the form of secure payment tokens. Common application programming interfaces executed by devices may facilitate push and pull processes between electronic wallets and other secure data stores. Users may thereby initiate and complete electronic transactions directly from within applications on trusted devices.
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公开(公告)号：US20230186376A1
公开(公告)日：2023-06-15
申请号：US18082513
申请日：2022-12-15
Applicant: ROYAL BANK OF CANADA
Inventor： Edison U. ORTIZ , Gabriel Y. WOO , Ravi KHANDAVILLI , Adel Al NABULSI , Kirsten MACKERETH , Justin SIMONELIS
IPC: G06Q30/0601 , G06F9/451
CPC classification number: G06Q30/0643 , G06F9/451
Abstract: There is provided a computer system and method for orchestrating user interface, the method include: obtaining a first data set representative of intercepted data communication messages between a user interface of a user and a merchant hosting server; obtaining a second data set representing an instruction set for loading visual elements on the user interface provided from the merchant hosting server; analyzing the first data set to obtain one or more user-specific characteristics; determining if the user-specific characteristics associated with the user satisfy a trigger condition associated with a current resource offering; and responsive to a positive determination: injecting, into the instruction set for loading the visual elements on the user interface provided from the merchant hosting server, code corresponding to an interactive visual element corresponding to the current resource offering.
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公开(公告)号：US20170017958A1
公开(公告)日：2017-01-19
申请号：US15201428
申请日：2016-07-02
Applicant: ROYAL BANK OF CANADA
Inventor： Stephen James SCOTT , Weigiang YIN , Edison U. ORTIZ , Terry W. LEE , Gabriel Y. WOO
CPC classification number: G06Q20/40 , G06Q20/023 , G06Q20/12 , G06Q20/36
Abstract: Systems (100, 900), methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems (100) include trusted platforms (120) by which networked communication devices (110) and merchant systems (130) may registered as trusted entities 110′, 130. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets (112), or in the form of secure payment tokens. Among other improvements, the invention enables the use of multiple payment accounts to fund purchases and other electronic transactions.
Abstract translation: 用于处理数据的系统（100,900），方法和机器可执行数据结构，用于在电子支付交易和其他安全数据处理的处理中有用的电子数据的安全创建，管理，操作，处理和存储。 这种系统（100）的方面包括可信平台（120），网络通信设备（110）和商家系统（130）可以通过该平台登记为可信实体110'，130。与特定支付手段相关联的信息，例如帐户或支付令牌 ，可以存储在称为虚拟或电子钱包（112）的设备上的安全数据集中，或以安全的付款令牌的形式存储。 除其他改进之外，本发明能够使用多个支付账户来为购买和其他电子交易提供资金。
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