Patent application number | Description | Published |
20120143703 | MULTIPLE CONTACTLESS DEVICE INTERACTIONS AND COMMUNICATION PROTOCOLS PER TAP - Enabling multiple contactless interactions and communication protocols with a single tap of a contactless device. A device reader generates a polling loop and detects a contactless device using an RF field. The device reader identifies the contactless device's communication protocols and initiates a first communication protocol via ISO/IEC 18092 protocol. The device reader initiates a stored value communication via MIFARE protocol. The device reader then initiates an EMV communication via ISO/EIC 14443 protocol. A contactless device can function for both an EMV compliant payment transaction and an alternative peer-to-peer type transaction. The EMV based payment application and transaction is retained as an independent payment application, thereby keeping the additional data exchange process of EMV technology from influencing the peer-to-peer technology and avoiding re-certification of EMV technology. | 06-07-2012 |
20120158584 | DIGITAL WALLET - A digital wallet that facilitates fast, convenient, and secure commerce using a mobile electronic device (or non-mobile electronic device) and stores information associated with transactions, such as purchase confirmations and receipts. The digital wallet can store information for use in transactions, including information associated with one or more financial accounts, user information, and shipping information. To complete an online purchase, the digital wallet can interact with a merchant's website to obtain information regarding the purchase. The digital wallet provides a user interface for the user to review and confirm the purchase information. The user interface also allows the user to select from multiple payment options, customize shipping information, or provide information requested by the merchant. The digital wallet can transmit user confirmation to the merchant's website and receive a receipt for the purchase. The digital wallet can store the receipt and synchronize the receipt with a remote storage location. | 06-21-2012 |
20120158654 | RECEIPT STORAGE IN A DIGITAL WALLET - A digital wallet that facilitates fast, convenient, and secure commerce using a mobile electronic device (or non-mobile electronic device) and stores information associated with transactions, such as purchase confirmations and receipts. The digital wallet can store information for use in transactions, including information associated with one or more financial accounts, user information, and shipping information. To complete an online purchase, the digital wallet can interact with a merchant's website to obtain information regarding the purchase. The digital wallet provides a user interface for the user to review and confirm the purchase information. The user interface also allows the user to select from multiple payment options, customize shipping information, or provide information requested by the merchant. The digital wallet can transmit user confirmation to the merchant's website and receive a receipt for the purchase. The digital wallet can store the receipt and synchronize the receipt with a remote storage location. | 06-21-2012 |
20120159105 | PARTITIONING THE NAMESPACE OF A CONTACTLESS SMART CARD - Systems, methods, computer programs, and devices are disclosed herein for partitioning the namespace of a secure element in contactless smart card devices and for writing application data in the secure element using requests from a software application outside the secure element. The secure element is a component of a contactless smart card incorporated into a contactless smart card device. A control software application resident in the same or a different secure element provides access types and access bits, for each access memory block of the secure element namespace, thereby portioning the namespace into different access types. Further, a software application outside the secure element manages the control software application by passing commands using a secure channel to the secure element, thereby enabling an end-user of the contactless smart card device or a remote computer to control the partitioning and use of software applications within the secure element. | 06-21-2012 |
20120159148 | LOCAL TRUSTED SERVICES MANAGER FOR A CONTACTLESS SMART CARD - Systems, methods, computer programs, and devices are disclosed herein for deploying a local trusted service manager within a secure element of a contactless smart card device. The secure element is a component of a contactless smart card incorporated into a contactless smart card device. An asymmetric cryptography algorithm is used to generate public-private key pairs. The private keys are stored in the secure element and are accessible by a trusted service manager (TSM) software application or a control software application in the secure element. A non-TSM computer with access to the public key encrypts and then transmits encrypted application data or software applications to the secure element, where the TSM software application decrypts and installs the software application to the secure element for transaction purposes. | 06-21-2012 |
20120159163 | LOCAL TRUSTED SERVICES MANAGER FOR A CONTACTLESS SMART CARD - Systems, methods, computer programs, and devices are disclosed herein for deploying a local trusted service manager within a secure element of a contactless smart card device. The secure element is a component of a contactless smart card incorporated into a contactless smart card device. An asymmetric cryptography algorithm is used to generate public-private key pairs. The private keys are stored in the secure element and are accessible by a trusted service manager (TSM) software application or a control software application in the secure element. A non-TSM computer with access to the public key encrypts and then transmits encrypted application data or software applications to the secure element, where the TSM software application decrypts and installs the software application to the secure element for transaction purposes. | 06-21-2012 |
20120159195 | WRITING APPLICATION DATA TO A SECURE ELEMENT - Systems, methods, computer programs, and devices are disclosed herein for partitioning the namespace of a secure element in contactless smart card devices and for writing application data in the secure element using requests from a software application outside the secure element. The secure element is a component of a contactless smart card incorporated into a contactless smart card device. A control software application resident in the same or a different secure element provides access types and access bits, for each access memory block of the secure element namespace, thereby portioning the namespace into different access types. Further, a software application outside the secure element manages the control software application by passing commands using a secure channel to the secure element, thereby enabling an end-user of the contactless smart card device or a remote computer to control the partitioning and use of software applications within the secure element. | 06-21-2012 |
20120166333 | DIGITAL WALLET - A digital wallet that facilitates fast, convenient, and secure commerce using a mobile electronic device (or non-mobile electronic device) and stores information associated with transactions, such as purchase confirmations and receipts. The digital wallet can store information for use in transactions, including information associated with one or more financial accounts, user information, and shipping information. To complete an online purchase, the digital wallet can interact with a merchant's website to obtain information regarding the purchase. The digital wallet provides a user interface for the user to review and confirm the purchase information. The user interface also allows the user to select from multiple payment options, customize shipping information, or provide information requested by the merchant. The digital wallet can transmit user confirmation to the merchant's website and receive a receipt for the purchase. The digital wallet can store the receipt and synchronize the receipt with a remote storage location. | 06-28-2012 |
20130040571 | MULTIPLE CONTACTLESS DEVICE INTERACTIONS AND COMMUNICATION PROTOCOLS PER TAP - Enabling multiple contactless interactions and communication protocols with a single tap of a contactless device. A device reader generates a polling loop and detects a contactless device using an RF field. The device reader identifies the contactless device's communication protocols and initiates a first communication protocol via ISO/IEC 18092 protocol. The device reader initiates a stored value communication via MIFARE protocol. The device reader then initiates an EMV communication via ISO/EIC 14443 protocol. A contactless device can function for both an EMV compliant payment transaction and an alternative peer-to-peer type transaction. The EMV based payment application and transaction is retained as an independent payment application, thereby keeping the additional data exchange process of EMV technology from influencing the peer-to-peer technology and avoiding re-certification of EMV technology. | 02-14-2013 |
20130046643 | POINT OF SALE PROCESSING INITIATED BY A SINGLE TAP - Point of sale processing of multiple options is possible with a single tap of a contactless device. The user taps the contactless device in the device reader's radio frequency field. The device reader and the contactless device establish a secure communication channel. Once a secure communication channel is established, the device reader communicates the purchase to the contactless device. The contactless device presents value-added services available to the user. The contactless device communicates the user's selected value-added service(s) to the device reader, and the reader communicates the purchase price of the transaction. The contactless device communicates payment options to the user and then communicates the user-selected payment options to the device reader. The device reader communicates a digital receipt to the contactless device, and the secure communication is terminated. | 02-21-2013 |
20130073448 | One-Click Offline Buying - Contactless payment transactions are initiated through single input activation of a mobile device's secure element and contactless communication system. Activation of the secure element and the contactless communication system is coupled to the activation status of the mobile device's screen. Activation of the secure element may be further coupled to the activation status of an electronic wallet application. Where activation of the electronic wallet application is required, one-click activation of the electronic wallet application and secure element is provided. | 03-21-2013 |
20130073818 | SECURE APPLICATION DIRECTORY - This disclosure relates to storing a secure application directory within a contactless smart card. The contactless smart card include secure memory area for storing software applications and may include a default application directory for listing the software applications stored within the contactless smart card to an external card reader. A second application directory is stored with an access key and a listing of a second set of software applications within the same contactless smart card. The second application directory includes improved application directory entries, where each application directory entry includes an application identifier, a starting memory block byte value, and a size byte value for each of the second set of software applications. | 03-21-2013 |
20130111207 | WRITING APPLICATION DATA TO A SECURE ELEMENT | 05-02-2013 |
20130121493 | LOCAL TRUSTED SERVICES MANAGER FOR A CONTACTLESS SMART CARD - Systems, methods, computer programs, and devices are disclosed herein for deploying a local trusted service manager within a secure element of a contactless smart card device. The secure element is a component of a contactless smart card incorporated into a contactless smart card device. An asymmetric cryptography algorithm is used to generate public-private key pairs. The private keys are stored in the secure element and are accessible by a trusted service manager (TSM) software application or a control software application in the secure element. A non-TSM computer with access to the public key encrypts and then transmits encrypted application data or software applications to the secure element, where the TSM software application decrypts and installs the software application to the secure element for transaction purposes. | 05-16-2013 |
20130198066 | Fraud Protection for Online and NFC Purchases - A fraud protection application can allow a user to safely purchase goods without a physical account verifier such as a credit card. These types of purchases are common when purchasing items online and also when making NFC purchases. The purchaser can install a Fraud Prevention Application on a device that can recognize that the purchaser is using their device to make a purchase making a transaction. The application can initiate an independent connection with the financial institution's server and submit to the server verification data to validate the purchase. In response, the server can compare the data with identification data previously submitted by that purchaser's device and also with transaction data submitted by the merchant. If the verification data is validated then the server can approve the purchase and the transaction may proceed. If the verification data is not validated then the FPA can cause refuse the transaction. | 08-01-2013 |
20130266140 | SECURE RESET OF PERSONAL AND SERVICE PROVIDER INFORMATION ON MOBILE DEVICES - Systems and methods are described herein for supporting end users of a mobile device, such as a mobile phone, to reset a secure element associated with the communication device. The reset process may include clearing the secure element, associated memories, and storage devices of any user specific or personalized information associated with the user. The reset process may also include removing or resetting keys or other identifiers within the secure element that associate the mobile device with a particular secure service provider. According to various embodiments, a computer-implemented method for resetting a secure element within a network device may include receiving an encrypted reset request message at the secure element, decrypting the encrypted reset request message using a communication key, verifying authorization for the reset request message, and atomically clearing parameters associated with the secure element. | 10-10-2013 |
20130334318 | SECURE APPLICATION DIRECTORY - This disclosure relates to storing a secure application directory within a contactless smart card. The contactless smart card include secure memory area for storing software applications and may include a default application directory for listing the software applications stored within the contactless smart card to an external card reader. A second application directory is stored with an access key and a listing of a second set of software applications within the same contactless smart card. The second application directory includes improved application directory entries, where each application directory entry includes an application identifier, a starting memory block byte value, and a size byte value for each of the second set of software applications. | 12-19-2013 |
20140012701 | ELECTRONIC COMMERCE NETWORK WITH MOBILE TRANSACTIONS - A commerce network that processes a mobile transaction detects a mobile device of a user entering a store, the user having a corresponding user account that includes one or more tenders. The network creates a payment token corresponding to the detecting and registers it with the store. The network receives a personal identification number (“PIN”) from the user and authenticates the PIN. The network receives a basket of goods of one or more items selected by the user for purchase, the basket of goods including line level data for the items. The network then selects one or more payment tenders from the one or more tenders based at least on the line level data and validates and authorizes the selected payment tenders. | 01-09-2014 |
20140012739 | ELECTRONIC COMMERCE NETWORK WITH TRANSACTIONS ANALYTICS - A system that processes transactions, in response to a transaction using a financial instrument, receives an identity of a financial instrument, such as a card hash. The system creates an anonymous account that corresponds to the financial instrument, and stores line level data associated with the transaction in the anonymous account. Future transactions that use the same financial instrument are also stored in the anonymous account. As a result, all transactions can be linked to the same user. | 01-09-2014 |
20140207575 | ELECTRONIC COMMERCE NETWORK USING MOBILE DEVICES - A mobile software development kit (“SDK”) executes on a mobile device that interfaces with a commerce network. The mobile SDK includes an interface to a host application on the commerce network, and an interface to a merchant application executing on the mobile device. The mobile SDK receives from the host application a check-in of the mobile device to a merchant, and an availability of new user objects, and provides the check-in and new user objects to the merchant application. | 07-24-2014 |
20140222668 | ELECTRONIC COMMERCE NETWORK WITH TRANSACTIONS ANALYTICS - A system that processes transactions, in response to a transaction using a financial instrument, receives an identity of a financial instrument, such as a card hash. The system creates an anonymous account that corresponds to the financial instrument, and stores line level data associated with the transaction in the anonymous account. Future transactions that use the same financial instrument are also stored in the anonymous account. As a result, all transactions can be linked to the same user. | 08-07-2014 |
20150242851 | SECURE RESET OF PERSONAL AND SERVICE PROVIDER INFORMATION ON MOBILE DEVICES - Systems and methods are described herein for supporting end users of a mobile device, such as a mobile phone, to reset a secure element associated with the communication device. The reset process may include clearing the secure element, associated memories, and storage devices of any user specific or personalized information associated with the user. The reset process may also include removing or resetting keys or other identifiers within the secure element that associate the mobile device with a particular secure service provider. According to various embodiments, a computer-implemented method for resetting a secure element within a network device may include receiving an encrypted reset request message at the secure element, decrypting the encrypted reset request message using a communication key, verifying authorization for the reset request message, and atomically clearing parameters associated with the secure element. | 08-27-2015 |
Patent application number | Description | Published |
20100055085 | HYDROLASES, NUCLEIC ACIDS ENCODING THEM AND METHODS FOR MAKING AND USING THEM - Provided are hydrolases, including lipases, saturases, palmitases and/or stearatases, and polynucleotides encoding them, and methods of making and using these polynucleotides and polypeptides. Further provided are polypeptides, e.g., enzymes, having a hydrolase activity, e.g., lipases, saturases, palmitases and/or stearatases and methods for preparing low saturate or low trans fat oils, such as low saturate or low trans fat animal or vegetable oils, e.g., soy or canola oils. | 03-04-2010 |
20100055234 | HYDROLASES, NUCLEIC ACIDS ENCODING THEM AND METHODS FOR MAKING AND USING THEM - Provided are hydrolases, including lipases, saturases, palmitases and/or stearatases, and polynucleotides encoding them, and methods of making and using these polynucleotides and polypeptides. Further provided are polypeptides, e.g., enzymes, having a hydrolase activity, e.g., lipases, saturases, palmitases and/or stearatases and methods for preparing low saturate or low trans fat oils, such as low saturate or low trans fat animal or vegetable oils, e.g., soy or canola oils. | 03-04-2010 |
20100129882 | HYDROLASES, NUCLEIC ACIDS ENCODING THEM AND METHODS FOR MAKING AND USING THEM - Provided are hydrolases, including lipases, saturases, palmitases and/or stearatases, and polynucleotides encoding them, and methods of making and using these polynucleotides and polypeptides. Further provided are polypeptides, e.g., enzymes, having a hydrolase activity, e.g., lipases, saturases, palmitases and/or stearatases and methods for preparing low saturate or low trans fat oils, such as low saturate or low trans fat animal or vegetable oils, e.g., soy or canola oils. | 05-27-2010 |
20110277046 | HYDROLASES, NUCLEIC ACIDS ENCODING THEM AND METHODS FOR MAKING AND USING THEM - Provided are hydrolases, including lipases, saturases, palmitases and/or stearatases, and polynucleotides encoding them, and methods of making and using these polynucleotides and polypeptides. Further provided are polypeptides, e.g., enzymes, having a hydrolase activity, e.g., lipases, saturases, palmitases and/or stearatases and methods for preparing low saturate or low trans fat oils, such as low saturate or low trans fat animal or vegetable oils, e.g., soy or canola oils. | 11-10-2011 |
20110281312 | HYDROLASES, NUCLEIC ACIDS ENCODING THEM AND METHODS FOR MAKING AND USING THEM FOR BIOCATALYTIC SYNTHESIS OF A STRUCTURED LIPID - Provided are hydrolases, including lipases, saturases, palmitases and/or stearatases, and polynucleotides encoding them, and methods of making and using these polynucleotides and polypeptides. Further provided are polypeptides, e.g., enzymes, having a hydrolase activity, e.g., lipases, saturases, palmitases and/or stearatases and methods for preparing low saturate or low trans fat oils, such as low saturate or low trans fat animal or vegetable oils, e.g., soy or canola oils. | 11-17-2011 |
20110287136 | HYDROLASES, NUCLEIC ACIDS ENCODING THEM AND METHODS TO PRODUCE TRIGLYCERIDES - Provided are hydrolases, including lipases, saturases, palmitases and/or stearatases, and polynucleotides encoding them, and methods of making and using these polynucleotides and polypeptides. Further provided are polypeptides, e.g., enzymes, having a hydrolase activity, e.g., lipases, saturases, palmitases and/or stearatases and methods for preparing low saturate or low trans fat oils, such as low saturate or low trans fat animal or vegetable oils, e.g., soy or canola oils. | 11-24-2011 |
20110287495 | HYDROLASES, NUCLEIC ACIDS ENCODING THEM AND METHODS TO PRODUCE TRIGLYCERIDES - Provided are hydrolases, including lipases, saturases, palmitases and/or stearatases, and polynucleotides encoding them, and methods of making and using these polynucleotides and polypeptides. Further provided are polypeptides, e.g., enzymes, having a hydrolase activity, e.g., lipases, saturases, palmitases and/or stearatases and methods for preparing low saturate or low trans fat oils, such as low saturate or low trans fat animal or vegetable oils, e.g., soy or canola oils. | 11-24-2011 |
20110287496 | HYDROLASES, NUCLEIC ACIDS ENCODING THEM AND METHODS FOR BIOCATALYTIC SYNTHESIS OF STRUCTURED LIPIDS - Provided are hydrolases, including lipases, saturases, palmitases and/or stearatases, and polynucleotides encoding them, and methods of making and using these polynucleotides and polypeptides. Further provided are polypeptides, e.g., enzymes, having a hydrolase activity, e.g., lipases, saturases, palmitases and/or stearatases and methods for preparing low saturate or low trans fat oils, such as low saturate or low trans fat animal or vegetable oils, e.g., soy or canola oils. | 11-24-2011 |
20120227120 | HYDROLASES, NUCLEIC ACIDS ENCODING THEM AND METHODS FOR MAKING AND USING THEM - Provided are hydrolases, including lipases, saturases, palmitases and/or stearatases, and polynucleotides encoding them, and methods of making and using these polynucleotides and polypeptides. Further provided are polypeptides, e.g., enzymes, having a hydrolase activity, e.g., lipases, saturases, palmitases and/or stearatases and methods for preparing low saturate or low trans fat oils, such as low saturate or low trans fat animal or vegetable oils, e.g., soy or canola oils. | 09-06-2012 |
20120258505 | HYDROLASES, NUCLEIC ACIDS ENCODING THEM AND METHODS FOR MAKING AND USING THEM - Provided are hydrolases, including lipases, saturases, palmitases and/or stearatases, and polynucleotides encoding them, and methods of making and using these polynucleotides and polypeptides. Further provided are polypeptides, e.g., enzymes, having a hydrolase activity, e.g., lipases, saturases, palmitases and/or stearatases and methods for preparing low saturate or low trans fat oils, such as low saturate or low trans fat animal or vegetable oils, e.g., soy or canola oils. | 10-11-2012 |
20120276618 | HYDROLASES, NUCLEIC ACIDS ENCODING THEM AND METHODS FOR BIOCATALYTIC SYNTHESIS OF STRUCTURED LIPIDS - Provided are hydrolases, including lipases, saturases, palmitases and/or stearatases, and polynucleotides encoding them, and methods of making and using these polynucleotides and polypeptides. Further provided are polypeptides, e.g., enzymes, having a hydrolase activity, e.g., lipases, saturases, palmitases and/or stearatases and methods for preparing low saturate or low trans fat oils, such as low saturate or low trans fat animal or vegetable oils, e.g., soy or canola oils. | 11-01-2012 |
20130011887 | OIL DEGUMMING METHODS - In alternative embodiments, the invention provides phosphatidylinositol-specific phospholipase C (PI-PLC) enzymes, nucleic acids encoding them, antibodies that bind specifically to them, and methods for making and using them. Industrial methods and products comprising use of these phospholipases are also provided. In certain embodiments, provided herein are methods for hydration of non hydratable phospholipids (NHPs) within a lipid matrix. The methods enable migration of NHPs to an oil-water interface thereby allowing the NHPs to be reacted and/or removed from the lipids. In certain embodiments, provided is a method for removing NHPs, hydratable phospholipids, and lecithins from vegetable oils to produce a degummed oil or fat product that can be used for food production and/or non-food applications. In certain embodiments, provided herein are methods for hydration of NHPs followed by enzymatic treatment and removal of various phospholipids and lecithins. The methods provided herein can be practiced on either crude or water-degummed oils. | 01-10-2013 |
20140371476 | OIL DEGUMMING METHODS - In alternative embodiments, the invention provides phosphatidylinositol-specific phospholipase C (PI-PLC) enzymes, nucleic acids encoding them, antibodies that bind specifically to them, and methods for making and using them. Industrial methods and products comprising use of these phospholipases are also provided. In certain embodiments, provided herein are methods for hydration of non hydratable phospholipids (NHPs) within a lipid matrix. The methods enable migration of NHPs to an oil-water interface thereby allowing the NHPs to be reacted and/or removed from the lipids. In certain embodiments, provided is a method for removing NHPs, hydratable phospholipids, and lecithins from vegetable oils to produce a degummed oil or fat product that can be used for food production and/or non-food applications. In certain embodiments, provided herein are methods for hydration of NHPs followed by enzymatic treatment and removal of various phospholipids and lecithins. The methods provided herein can be practiced on either crude or water-degummed oils. | 12-18-2014 |
20150087029 | GENES ENCODING CELLULASE FOR HYDROLYZING GUAR FRACTURING FLUIDS UNDER EXTREME WELL CONDITIONS - Polynucleotide sequences encoding a thermostable cellulase and directing its increased expression are provided, and hydraulic fracturing compositions comprising such thermostable cellulase. | 03-26-2015 |
20160108383 | HYDROLASES, NUCLEIC ACIDS ENCODING THEM AND METHODS FOR MAKING AND USING THEM - Provided are hydrolases, including lipases, saturases, palmitases and/or stearatases, and polynucleotides encoding them, and methods of making and using these polynucleotides and polypeptides. Further provided are polypeptides, e.g., enzymes, having a hydrolase activity, e.g., lipases, saturases, palmitases and/or stearatases and methods for preparing low saturate or low trans fat oils, such as low saturate or low trans fat animal or vegetable oils, e.g., soy or canola oils. | 04-21-2016 |