The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Feb. 17, 2015
Filed:
Feb. 29, 2012
Fan Jiang, Adliswil, CH;
Michael William Springer, Zürich, CH;
Malgorzata Monika Lisowiec, Dubendorf, CH;
Gökhan Hasan Bakir, Zurich, CH;
Patrick Pui Wah Leung, Paris, FR;
Aneto Pablo Okonkwo, Zurich, CH;
Fan Jiang, Adliswil, CH;
Michael William Springer, Zürich, CH;
Malgorzata Monika Lisowiec, Dubendorf, CH;
Gökhan Hasan Bakir, Zurich, CH;
Patrick Pui Wah Leung, Paris, FR;
Aneto Pablo Okonkwo, Zurich, CH;
Google Inc., Mountain View, CA (US);
Abstract
Preventing fraud during an offline transaction by encoding a randomly-generated card verification code onto a smart card. The verification code is transmitted to a contactless device during each transaction, wherein it is cross-referenced with the account number to ensure presence of the card. Also, every transaction record is signed by an access key resident on the contactless device and certified by a signing key resident on a remote system. Funds may be deposited onto the card when the contactless device creates a deposit request, signs the request using an access key and transmits it to the remote system, which in turn processes the request and certifies it with a signing key. Funds may be withdrawn when the contactless device creates a withdrawal record and signs it using an access key. The remote system verifies the signatures and certifies the records using a signing key when the records are later transmitted.