Hao V Ngo, Age 722535 Cobblers Way, Friendswood, TX 77546

8321345, Nov 27, 2012

May 31, 2011

13/149553

Oleg Makhotin - San Mateo CA, US
Trudy Hill - Foster City CA, US
Erick Wong - Menlo Park CA, US
Oleg Makarenko - Moscow, RU
Hao Ngo - San Jose CA, US
Christian Aabye - Foster City CA, US
William Alexander Thaw - San Mateo CA, US

Visa International Service Association - San Francisco CA

G06Q 30/00
G06Q 20/00

705 41, 705 39, 705 64, 705 65, 705 66

An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc. ) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.

8320962, Nov 27, 2012

Apr 27, 2010

12/768677

Dave William Wilson - Kenley Surrey, GB
Omar Rifaat - London, GB
Hao Ngo - San Jose CA, US

Visa International Service Association - San Francisco CA

H04B 1/38

455557

A method for controlling a contactless interface on a dual interface portable device are provided. The method allows for contactless enablement and disablement on both a temporary and semi-permanent basis, dependent on commands sent to the device by the issuer of the portable device. The commands are received through a terminal device and are transferred to the portable device during a contact transaction. Configuration data on the portable device is modified according to the received commands. An application on the portable device controls the transmission of data through the contactless interface dependent on the configuration data.

2010019, Aug 5, 2010

Sep 21, 2009

12/563540

Christian Aabye - Foster City CA, US
Olivier Brand - Walnut Creek CA, US
Mike Lindelsee - Emerald Hills CA, US
Joseph J. Mirizzi - Copperopolis CA, US
Hao Ngo - San Jose CA, US
Lauren White - San Bruno CA, US
David William Wilson - Surrey, GB

G06F 21/22
G06Q 40/00
H04L 9/32

705 44, 726 28, 726 19, 726 18, 726 26

Systems, apparatus, and methods for managing a payment application installed on a mobile device, such as a mobile phone are provided. An Issuer of a payment device can remotely control the payment application by instructing a wireless network carrier or operator to transmit a message to the mobile phone, where the message contains an instruction to perform an operation related to the payment application. The Issuer can remotely reset a counter or a password associated with the payment application, lock or unlock a payment application, and set the access control data to a predetermined value, to prevent unauthorized use of the payment application in the situation in which the mobile phone is lost or stolen, or the Issuer desires to limit access to the payment application for other reasons, such as limiting its exposure to unauthorized uses of the payment device.

2010021, Aug 19, 2010

Sep 21, 2009

12/563430

Christian Aabye - Morgan Hill CA, US
Hao Ngo - San Jose CA, US
David William Wilson - London, GB
Guido Mangiagalli - Wimbledon, GB

G06Q 20/00

705 39

A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. An account holder is enabled to generate transaction related data and append that data to a transaction record or transaction identifier. The appended data and transaction record or identifier may be stored in the mobile payment device and/or provided to an Issuer. If provided to an Issuer, the transaction related data generated by the account holder may be used to supplement an account statement. The additional information generated by the account holder may be used to assist the account holder in determining if a transaction is valid by providing information that helps the account holder to recall the location or other aspect of the transaction.

2010021, Aug 19, 2010

Sep 21, 2009

12/563444

Christian Aabye - Morgan Hill CA, US
Hao Ngo - San Jose CA, US
David William Wilson - London, GB

G06Q 20/00
H04B 5/00

705 44, 455 411

A system, apparatus, and method for processing payment transactions that are conducted using a mobile payment device that includes a contactless element, such as an integrated circuit chip. The invention enables one or more of the operations of activation of a payment application, transfer of transaction data, updating of account records, setting or re-setting of a payment application counter or register, or transfer or processing of a script, command, or instruction, with these functions being performed with minimal impact on a consumer. This is accomplished by introducing a pre-tap and/or two-tap operation prior to, or as part of, the transaction flow.

2010021, Aug 19, 2010

Sep 21, 2009

12/563421

Christian Aabye - Morgan Hill CA, US
Hao Ngo - San Jose CA, US
David William Wilson - London, GB
Gustavo Mariath Zeiden - Chineham, GB
Chris Pitchford - Chineham, GB
Kiushan Pirzadeh - Morgan Hill CA, US

G06Q 20/00
H04L 9/14
G06Q 40/00
G06Q 30/00

705 71, 705 17, 705 64

A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. The invention enables the updating, correction or synchronization of transaction data maintained by an Issuer with that stored on the device. This is accomplished by using a wireless (cellular) network as a data communication channel for data provided by an Issuer to the mobile device, and is particularly advantageous in circumstances in which the contactless element is not presently capable of communication with a device reader or point of sale terminal that uses a near field communications mechanism. Data transferred between the mobile device and Issuer may be encrypted and decrypted to provide additional security and protect the data from being accessed by other users or applications. If encryption keys are used for the encryption and decryption processes, they may be distributed by a key distribution server or other suitable entity to a mobile gateway which participates in the data encryption and decryption operations.

2010021, Aug 26, 2010

Sep 21, 2009

12/563410

Christian Aabye - Morgan Hill CA, US
Hao Ngo - San Jose CA, US
David William Wilson - London, GB

G06Q 20/00

705 44

A system, apparatus, and method for preventing the unauthorized access to a payment application installed on a mobile payment device, or to transaction data stored in the device. The mobile payment device may be a mobile phone that includes a contactless element (such as a contactless smart chip) and that is capable of communication and data transfer using a wireless communications network and a near field communications capability. Unauthorized access to the payment application is prevented by requiring that access control data be received from a trusted source, such as a controller or application in charge of managing inputs from a phone keypad, in order to activate the payment application or to access stored data.

2013004, Feb 21, 2013

Oct 24, 2012

13/658935

Oleg Makhotin - San Mateo CA, US
Trudy Hill - Foster City CA, US
Erick Wong - Menlo Park CA, US
Oleg Makarenko - Moscow, RU
Hao Ngo - San Jose CA, US
Christian Aabye - Foster City CA, US
William Alexander Thaw - San Mateo CA, US

G06Q 20/32
G06Q 30/02
G06Q 20/16
G06Q 50/30

705 13, 705 41, 705 1427

An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.