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公开(公告)号：US10810597B2
公开(公告)日：2020-10-20
申请号：US16396108
申请日：2019-04-26
申请人： Aurus, Inc.
发明人： Rahul Mutha
摘要： The methods and systems described herein provide for processing payments via a mobile device at a retail location while relying solely on non-PCI Scope information at the retail location. A payment processing transaction may be initiated at a point of sale at a retail location, and a unique identifier provided by a mobile device may be used as payment information to facilitate the processing of a payment transaction. Authorizations of payment processing transactions are made by a remotely located server based, at least in part, on the unique identifier provided by the mobile device.
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公开(公告)号：US20210012333A1
公开(公告)日：2021-01-14
申请号：US16510593
申请日：2019-07-12
申请人： Aurus, Inc.
发明人： Rahul Mutha
摘要： A payment managing system and method for enhancing the security of electronic user payment data can include employing a two factor authentication and keeping e-commerce host system outside the PCI scope. The two-factor authentication can include using a session ID and a one-time token (OTT). The session ID can identify a payment session that is initiated upon initiation of an e-commerce transaction. The payment managing system can provide a computing device initiating the transaction an iFrame to handle input user input data on an information resource. The OTT can be used to tokenize the user input data. The OTT can be included in payment authorization requests sent to the payment managing system. The payment managing system can obtain payment authorization without the user payment data being shared with e-commerce host systems.
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公开(公告)号：US10275774B2
公开(公告)日：2019-04-30
申请号：US14861869
申请日：2015-09-22
申请人： Aurus Inc.
发明人： Rahul Mutha
摘要： The methods and systems described herein provide for processing payments at a retail location whose infrastructure has been significantly removed from PCI scope. A request for processing payments may be sent from a point of sale lane to a back office server in communication with a credit card terminal. A user may use the credit card terminal to enter in secure payment information which is securely transmitted to a remote authorization service for authorization. Through this method, the credit card terminal and sensitive payment information may be securely isolated from the remaining infrastructure at the retail location.
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公开(公告)号：US09424577B2
公开(公告)日：2016-08-23
申请号：US14822543
申请日：2015-08-10
申请人： Aurus Inc.
发明人： Rahul Mutha
CPC分类号： G06Q20/401 , G06Q20/12 , G06Q20/145 , G06Q20/32 , G06Q20/322 , G06Q20/325 , G06Q20/40
摘要： The methods and systems described herein provide for processing electronic payments at a retail location. Secure payment information for use in processing future payment transactions initiated by a mobile device may be stored at a secure location remote from retail locations. A mobile device of a user may be detected and location determined based at least in part on the strength of a signal via a wireless antennas at the retail location. A determination is made that the mobile device is associated with a user who previously provided payment information for use in processing payment transactions. The mobile device may receive incentives based at least in part on the determined location. A user may complete a payment transaction at the retail location without providing the secure payment information at the retail location.
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公开(公告)号：US12033156B2
公开(公告)日：2024-07-09
申请号：US16934568
申请日：2020-07-21
申请人： Aurus, Inc.
发明人： Rahul Mutha
CPC分类号： G06Q20/40975 , G06Q20/20 , G06Q20/204 , G06Q20/40 , G06Q30/06 , G06Q40/02 , G06Q2220/10
摘要： The methods and systems described herein provide for processing payments via a mobile device at a retail location while relying solely on non-PCI Scope information at the retail location. A payment processing transaction may be initiated at a point of sale at a retail location, and a unique identifier provided by a mobile device may be used as payment information to facilitate the processing of a payment transaction. Authorizations of payment processing transactions are made by a remotely located server based, at least in part, on the unique identifier provided by the mobile device.
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公开(公告)号：US11941616B2
公开(公告)日：2024-03-26
申请号：US16510593
申请日：2019-07-12
申请人： Aurus, Inc.
发明人： Rahul Mutha
CPC分类号： G06Q20/38215 , G06Q20/4014 , H04L9/3228 , H04L63/0421
摘要： A payment managing system and method for enhancing the security of electronic user payment data can include employing a two factor authentication and keeping e-commerce host system outside the PCI scope. The two-factor authentication can include using a session ID and a one-time token (OTT). The session ID can identify a payment session that is initiated upon initiation of an e-commerce transaction. The payment managing system can provide a computing device initiating the transaction an iFrame to handle input user input data on an information resource. The OTT can be used to tokenize the user input data. The OTT can be included in payment authorization requests sent to the payment managing system. The payment managing system can obtain payment authorization without the user payment data being shared with e-commerce host systems.
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公开(公告)号：US20240362618A1
公开(公告)日：2024-10-31
申请号：US18368107
申请日：2023-09-14
申请人： Aurus, Inc.
发明人： Rahul Mutha
CPC分类号： G06Q20/341 , G06Q20/20
摘要： Automated testing and validation of integrated circuit cards for point of sale transactions is provided. A microcontroller can receive, via an automation script executed by a point of sale device, an instruction to select a slot in a card stack. The microcontroller can activate, responsive to the instruction, the slot to establish an electrical connection between an integrated circuit card in the slot and a proxy card in a terminal device. The microcontroller can receive, subsequent to initiation of a synthetic transaction, an indication that the synthetic transaction is complete. The microcontroller can deactivate, subsequent to receipt of the indication that the synthetic transaction is complete, the slot to terminate the electrical connection between the integrated circuit card in the slot and the proxy card to cause the terminal device to detect a card removal event without physical removal of the proxy card.
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8.发明授权公开(公告)号：US09171304B2
公开(公告)日：2015-10-27
申请号：US13302045
申请日：2011-11-22
申请人： Rahul Mutha
发明人： Rahul Mutha
CPC分类号： G06Q20/40975 , G06Q20/204 , G06Q20/206 , G06Q20/40 , G06Q30/06 , G06Q40/02 , G06Q2220/10
摘要： The methods and systems described herein provide for processing payments at a retail location whose infrastructure has been significantly removed from PCI scope. A request for processing payments may be sent from a point of sale lane to a back office server in communication with a credit card terminal. A user may use the credit card terminal to enter in secure payment information which is securely transmitted to a remote authorization service for authorization. Through this method, the credit card terminal and sensitive payment information may be securely isolated from the remaining infrastructure at the retail location.
摘要翻译： 本文描述的方法和系统提供了在基础设施已经从PCI范围被显着地移除的零售位置处理支付。 处理付款的请求可以从销售点发送到与信用卡终端通信的后台服务器。 用户可以使用信用卡终端输入安全地传送到远程授权服务进行授权的安全支付信息。 通过这种方法，信用卡终端和敏感的支付信息可以与零售点的剩余基础设施安全隔离。
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9.发明授权Systems and methods for processing payment transactions at fuel dispensing stations 有权在燃料分配站处理支付交易的系统和方法公开(公告)号：US09135615B1
公开(公告)日：2015-09-15
申请号：US14462164
申请日：2014-08-18
申请人： Aurus Inc.
发明人： Rahul Mutha
CPC分类号： G06Q20/401 , G06Q20/12 , G06Q20/145 , G06Q20/32 , G06Q20/322 , G06Q20/325 , G06Q20/40
摘要： The methods and systems described herein provide for processing electronic payments at a retail location. Secure payment information for use in processing future payment transactions initiated by a mobile device may be stored at a secure location remote from retail locations. A mobile device of a user may be detected and location determined based at least in part on the strength of a signal via a wireless antennas at the retail location. A determination is made that the mobile device is associated with a user who previously provided payment information for use in processing payment transactions. The mobile device may receive incentives based at least in part on the determined location. A user may complete a payment transaction at the retail location without providing the secure payment information at the retail location.
摘要翻译： 本文描述的方法和系统提供在零售位置处理电子支付。 用于处理由移动设备发起的未来支付交易的安全支付信息可以存储在远离零售地点的安全位置。 可以至少部分地基于零售位置处的无线天线的信号的强度来检测和定位用户的移动设备。 确定移动设备与先前提供用于处理支付交易的支付信息的用户相关联。 移动设备可以至少部分地基于所确定的位置来接收激励。 用户可以在零售地点完成支付交易，而不在零售地点提供安全支付信息。
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10.发明申请公开(公告)号：US20130132184A1
公开(公告)日：2013-05-23
申请号：US13485490
申请日：2012-05-31
申请人： Rahul Mutha
发明人： Rahul Mutha
CPC分类号： G06Q20/40975 , G06Q20/204 , G06Q20/206 , G06Q20/40 , G06Q30/06 , G06Q40/02 , G06Q2220/10
摘要： The methods and systems described herein provide for processing payments at a retail location whose infrastructure has been significantly removed from PCI scope. A request for processing payments may be sent from a point of sale lane to a back office server in communication with a credit card terminal. A user may use the credit card terminal to enter in secure payment information which is securely transmitted to a remote authorization service for authorization. Through this method, the credit card terminal and sensitive payment information may be securely isolated from the remaining infrastructure at the retail location.
摘要翻译： 本文描述的方法和系统提供了在基础设施已经从PCI范围被显着地移除的零售位置处理支付。 处理付款的请求可以从销售点发送到与信用卡终端通信的后台服务器。 用户可以使用信用卡终端输入安全地传送到远程授权服务进行授权的安全支付信息。 通过这种方法，信用卡终端和敏感的支付信息可以与零售点的剩余基础设施安全隔离。
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