US20120303310A1 - Systems and Methods for Providing Test Keys to Mobile Devices - Google Patents

Systems and Methods for Providing Test Keys to Mobile Devices Download PDF

Info

Publication number
US20120303310A1
US20120303310A1 US13/481,346 US201213481346A US2012303310A1 US 20120303310 A1 US20120303310 A1 US 20120303310A1 US 201213481346 A US201213481346 A US 201213481346A US 2012303310 A1 US2012303310 A1 US 2012303310A1
Authority
US
United States
Prior art keywords
mobile device
test
key
computer
mobile
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Abandoned
Application number
US13/481,346
Inventor
Roger Lynn Musfeldt
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
First Data Corp
Original Assignee
First Data Corp
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by First Data Corp filed Critical First Data Corp
Priority to US13/481,346 priority Critical patent/US20120303310A1/en
Assigned to FIRST DATA CORPORATION reassignment FIRST DATA CORPORATION ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: MUSFELDT, ROGER LYNN
Publication of US20120303310A1 publication Critical patent/US20120303310A1/en
Assigned to CREDIT SUISSE AG, CAYMAN ISLANDS BRANCH reassignment CREDIT SUISSE AG, CAYMAN ISLANDS BRANCH SECURITY AGREEMENT Assignors: CLOVER NETWORKS, INC., FIRST DATA CORPORATION, MONEY NETWORK FINANCIAL, LLC
Assigned to WELLS FARGO BANK, NATIONAL ASSOCIATION, AS COLLATERAL AGENT reassignment WELLS FARGO BANK, NATIONAL ASSOCIATION, AS COLLATERAL AGENT SECURITY INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: FIRST DATA CORPORATION
Assigned to MONEY NETWORK FINANCIAL, LLC, Clover Network, Inc., FIRST DATA CORPORATION reassignment MONEY NETWORK FINANCIAL, LLC RELEASE BY SECURED PARTY (SEE DOCUMENT FOR DETAILS). Assignors: CREDIT SUISSE AG, CAYMAN ISLANDS BRANCH
Assigned to FIRST DATA CORPORATION reassignment FIRST DATA CORPORATION TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENT RIGHTS Assignors: WELLS FARGO BANK, NATIONAL ASSOCIATION
Abandoned legal-status Critical Current

Links

Images

Classifications

    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3234Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving additional secure or trusted devices, e.g. TPM, smartcard, USB or software token
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00Network architectures or network communication protocols for network security
    • H04L63/08Network architectures or network communication protocols for network security for authentication of entities
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04WWIRELESS COMMUNICATION NETWORKS
    • H04W12/00Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/02Protecting privacy or anonymity, e.g. protecting personally identifiable information [PII]
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04WWIRELESS COMMUNICATION NETWORKS
    • H04W12/00Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/03Protecting confidentiality, e.g. by encryption
    • H04W12/033Protecting confidentiality, e.g. by encryption of the user plane, e.g. user's traffic
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04WWIRELESS COMMUNICATION NETWORKS
    • H04W12/00Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/30Security of mobile devices; Security of mobile applications
    • H04W12/35Protecting application or service provisioning, e.g. securing SIM application provisioning
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2209/00Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
    • H04L2209/80Wireless
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2463/00Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00
    • H04L2463/061Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00 applying further key derivation, e.g. deriving traffic keys from a pair-wise master key
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2463/00Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00
    • H04L2463/062Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00 applying encryption of the keys
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00Network architectures or network communication protocols for network security
    • H04L63/06Network architectures or network communication protocols for network security for supporting key management in a packet data network
    • H04L63/061Network architectures or network communication protocols for network security for supporting key management in a packet data network for key exchange, e.g. in peer-to-peer networks
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00Network architectures or network communication protocols for network security
    • H04L63/12Applying verification of the received information
    • H04L63/126Applying verification of the received information the source of the received data
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04WWIRELESS COMMUNICATION NETWORKS
    • H04W4/00Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/50Service provisioning or reconfiguring

Definitions

  • Embodiments of the invention relate generally to mobile devices, and more specifically to systems and methods for providing test keys to mobile devices.
  • Mobile devices such as cell phones, personal digital assistants (“PDAs”), smart phones, and other similar devices, have increasingly been utilized to provide additional functionality beyond traditional voice communications.
  • One component of enabling the mobile devices to support these additional functionalities includes installing software applications on the mobile devices.
  • Mobile device applications can facilitate a variety of services performed by or with the mobile devices, including payment applications (e.g., prepaid, credit, debit, etc.), loyalty or incentive applications, transportation payment applications, access control applications, entertainment applications, and the like.
  • payment applications e.g., prepaid, credit, debit, etc.
  • loyalty or incentive applications e.g., loyalty or incentive applications
  • transportation payment applications e.g., transportation payment applications, access control applications, entertainment applications, and the like.
  • a secure element such as a smart card chip, is incorporated into a mobile device to facilitate the secure management of data and the encryption of device communications.
  • test keys will allow the mobile devices to be utilized within a testing environment. Accordingly, there is an opportunity for systems and methods for providing test keys to mobile devices.
  • Embodiments of the invention may provide systems and methods for providing test keys to mobile devices.
  • a method for providing test keys to mobile devices is provided. Identifying information for a mobile device or a secure element associated with the mobile device can be received. A test key to be provided to the mobile device is determined. The test key can be configured to facilitate the use of the mobile device within a test environment. The test key can be provided to the mobile device, wherein a production key stored on the secure element can be replaced by the test key.
  • the operations of the method may be performed by one or more computers associated with a service provider.
  • a system for providing test keys to mobile devices may include at least one memory and at least one processor.
  • the at least one memory may be configured to store computer-executable instructions.
  • the at least one processor may be configured to access the at least one memory and execute the computer-executable instructions to: system for providing test keys to mobile devices, the system comprising: receive identifying information for a mobile device or a secure element associated with the mobile device; determine a test key to be provided to the mobile device, the test key configured to facilitate the use of the mobile device within a test environment; and provide the determined test key to the mobile device; wherein a production key stored on the secure element is replaced by the test key.
  • one or more operations can be performed by one or more computers associated with a service provider.
  • a method for receiving test keys by mobile devices is provided. Identifying information from a mobile device or a secure element associated with the mobile device can be transmitted. A test key can be received at the mobile device, wherein the test key is configured to facilitate use of the mobile device within a test environment; and wherein a production key stored on the secure element is replaced by the test key. In certain embodiments, one or more operations can be performed by one or more processors associated with a mobile device.
  • FIG. 1 illustrates a block diagram of an example key management system and associated integration, according to an example embodiment of the invention.
  • FIG. 2 illustrates a block diagram of an example key management integration and associated data flow, according to an example embodiment of the invention.
  • FIG. 3 illustrates a flow diagram of an example process for providing a test key to a mobile device, according to an example embodiment of the invention.
  • FIG. 4 illustrates a flow diagram of an example process for providing a test key to a mobile device via over the air provisioning, according to an example embodiment of the invention.
  • a mobile device may be registered with or otherwise interact with a key management server (“KMS”) or key management service provider.
  • KMS key management server
  • a production key associated with the mobile device or a secure element of the mobile device may be replaced with a test key.
  • KMS key management server
  • a wide variety of suitable methods may be utilized to facilitate the registration. For example, a registration request may be received by the KMS from the mobile device via a mobile or cellular communication.
  • a registration request may be received by the KMS via one or more Web interfaces and/or Web servers associated with the KMS.
  • the mobile device may be physically located near the KMS or near a kiosk associated with the KMS, and a registration request may be received via a contactless reader (e.g., a Near Field Communication (“NFC”) reader, etc.).
  • a registration request may include identifying information for the mobile device and/or a secure element associated with the mobile device, as well as an identifier of a desired test environment. A wide variety of identifying information may be received as desired in various embodiments of the invention, such as card production life cycle (“CPLC”) information associated with the mobile device secure element.
  • CPLC card production life cycle
  • the service provider may determine or generate a test key for the mobile device.
  • a secure communications channel may be established with the mobile device secure element, and the secure element may be authenticated prior to determining the test key.
  • suitable information may be utilized as desired to determine the test key. For example, in certain embodiments, at least a portion of the identifying information and a base level key, such as a master test key for a desired testing environment, may be utilized to generate the test key. In other words, a device specific test key may be generated or derived for the mobile device. Once generated, the test key may be provided to the mobile device for storage by the secure element.
  • the test key may facilitate use of the mobile device within a desired testing environment, such as a development (“DEV”) testing environment, a quality assurance (“QA”) testing environment, and/or a client acceptance testing (“CAT”) or unit acceptance testing (“UAT”) environment.
  • a desired testing environment such as a development (“DEV”) testing environment, a quality assurance (“QA”) testing environment, and/or a client acceptance testing (“CAT”) or unit acceptance testing (“UAT”) environment.
  • the test key may allow the mobile device and/or the secure element to be authenticated by a testing environment server.
  • the test key and/or the production key may be stored by the KMS and/or provided to one or more other parties.
  • the test key may be replaced by the production key at a subsequent point in time, thereby facilitating use of the mobile device and/or secure element within a commercial environment.
  • the test key and/or production key may be provided to a trusted service manager (“TSM”) associated with a commercial operating environment.
  • TSM trusted service manager
  • the TSM may identify test devices and limit the provision of commercial applications to the test devices and/or the ability of the test devices (i.e., devices having test keys) to be utilized for commercial purposes (e.g., commercial transactions, account provisioning, etc.).
  • the TSM may identify a test device by a test key and disallow commercial operations associated with the identified test device.
  • the TSM may black list production keys that have been replaced by test keys, thereby limiting the use of the test devices outside of a testing environment.
  • the KMS is described as being a separate entity from a TSM, in certain embodiments, at least a portion of the TSM functionality and the KSM functionality may be performed by a single entity.
  • the TSM may facilitate the rotation or replacement of production keys with test keys.
  • a KMS and/or a TSM may be a third party entity strategically positioned to provide mobile device key management, mobile device application provisioning services, and integration functionality for provisioning mobile devices with various keys, applications, and/or associated end user data.
  • FIG. 1 represents a block diagram of an example system 100 for providing test keys to mobile devices, according to one embodiment of the invention.
  • a key management server (“KMS”) computer 110 may be in communication via at least one network 170 and/or multiple carrier networks 180 a , 180 b , each of the carrier networks 180 a , 180 b being associated with a respective MNO computer 140 a , 140 b .
  • KMS key management server
  • MNO mobile network operator
  • TSM trusted service provider
  • the KMS computer 110 may include any number of processor-driven devices, including but not limited to, a server computer, a mainframe computer, one or more networked computers, a desktop computer, a personal computer, a laptop computer, a mobile computer, or any other processor-based device.
  • the KMS computer 110 may further include one or more memory devices 112 , input/output (“I/O”) interface(s) 118 , and network interface(s) 119 .
  • the memory 112 may be any computer-readable medium, coupled to the processor(s) 116 , such as RAM, ROM, and/or a removable storage device for storing data files and a database management system (“DBMS”) to facilitate management of data files and other data stored in the memory 112 and/or stored in one or more separate databases 138 .
  • the memory 112 may also store various program modules, such as an operating system (“OS”), a TSM interface 121 , a mobile network operator interface 122 , an over the air provisioning provider interface 123 , a device registration interface 124 , a secure element preparation module 126 , and an over the air provisioning module 130 .
  • OS operating system
  • TSM interface 121 a mobile network operator interface 122
  • an over the air provisioning provider interface 123 a device registration interface 124
  • a secure element preparation module 126 a secure element preparation module 130 .
  • the OS may be, but is not limited to, Microsoft Windows®, Apple OSXTM, Unix, a mainframe computer operating system (e.g., IBM z/OS, MVS, OS/390, etc.), or a specially designed operating system.
  • Each of the interfaces and modules 121 , 122 , 123 , 124 , 126 , 130 may comprise computer-executable program instructions or software, including a dedicated program, for receiving, storing, extracting, managing, processing, and analyzing communications associated with test key provisioning to mobile devices 150 a , 150 b via any number of suitable networks, such as networks 170 and/or carrier networks 180 a , 180 b .
  • networks 170 and/or carrier networks 180 a , 180 b such as networks 170 and/or carrier networks 180 a , 180 b .
  • the I/O interface(s) 118 may facilitate communication between the processor 116 and various I/O devices, such as a keyboard, mouse, printer, microphone, speaker, monitor, bar code reader/scanner, RFID reader, contactless reader, or Hardware Security Modules (“HSMs”) 139 which facilitate secure key management (e.g., test key management for a variety of testing environments, etc.) and the like.
  • HSMs Hardware Security Modules
  • an HSM 139 may be external, such as connected to the KMS computer 110 via a network, or internally or proximately connected to the KMS computer 110 .
  • the network interface(s) 119 may take any of a number of forms, such as, but not limited to, a network interface card, a modem, a wireless network card, a cellular network card, or any other means operable for facilitating communications with one or more carrier networks 180 a , 180 b and/or other networks 170 .
  • the TSM computer 110 can communicate directly with mobile devices 150 a , 150 b via the carrier networks 180 a , 180 b , respectively, via network interface(s) 119 and/or via one or more of suitable Web servers 137 , the mobile network operator gateway 134 , the over the air services gateway 135 , and the device registration gateway 136 .
  • the KMS computer 110 may be implemented on a particular machine, which may include a computer that is designed, customized, configured, or programmed to perform at least one or more functions of the interfaces and modules 121 , 122 , 123 , 124 , 126 , 130 , according to an example embodiment of the invention.
  • the MNO computers 140 a , 140 b may include any number of processor-driven devices, including but not limited to, a server computer, a mainframe computer, one or more networked computers, a desktop computer, a personal computer, a laptop computer, a mobile computer, or any other processor-based device.
  • each of the MNO computers 140 a , 140 b may further include one or more memory devices 142 a , 142 b , input/output (“I/O”) interface(s) 148 a , 148 b , and network interface(s) 149 a , 149 b .
  • I/O input/output
  • the memory 142 a , 142 b may be any computer-readable medium, coupled to the processor(s) 146 , such as RAM, ROM, and/or a removable storage device for storing data files and a DBMS to facilitate management of data files and other data stored in the memory 142 a , 142 b and/or stored in one or more separate databases.
  • the memory 142 a , 142 b may also store various program modules, such as an operating system (“OS”), a communications module 144 a , 144 b , and an authentication module 145 a , 145 b .
  • OS operating system
  • a communications module 144 a , 144 b may also store various program modules, such as an authentication module 145 a , 145 b .
  • the OS may be, but is not limited to, Microsoft Windows®, Apple OSXTM, Unix, a mainframe computer operating system (e.g., IBM z/OS, MVS, OS/390, etc.), or a specially designed operating system.
  • the communications module 144 a , 144 b may comprise computer-executable program instructions or software, including a dedicated program, for facilitating communications with multiple mobile devices 150 a , 150 b operating on the respective carrier networks 180 a , 180 b , and for facilitating mobile device application provisioning and management via a common MNO messaging standard as implemented by the TSM computer 110 .
  • the authentication module 145 a , 145 b may comprise computer-executable program instructions or software, including a dedicated program, for facilitating the authentication of mobile devices 150 a , 150 b and/or the establishment of secure communications channels with mobile devices 150 a , 150 b .
  • a wide variety of authentication procedures may be utilized as desired by an authentication module 145 a , 145 b .
  • an MNO computer 140 a , 140 b may authenticate a mobile device 150 a , 150 b in a similar manner as the TSM 110 .
  • the I/O interface(s) 148 a , 148 b may facilitate communication between the processors 146 a , 146 b and various I/O devices, such as a keyboard, mouse, printer, microphone, speaker, monitor, bar code reader/scanner, RFID reader, and the like.
  • the network interface(s) 149 a , 149 b may take any of a number of forms, such as, but not limited to, a network interface card, a modem, a wireless network card, a cellular network card, or any other means operable for facilitating communications with one or more carrier networks 180 a , 180 b and/or other network 170 .
  • the MNO computers 140 a , 140 b may be implemented on a particular machine, which may include a computer that is designed, customized, configured, or programmed to perform at least one or more functions of the communications module 144 a , 144 b , according to an example embodiment of the invention.
  • the mobile devices 150 a , 150 b may be any mobile processor-driven device, such as a mobile phone, radio, pager, laptop computer, handheld computer, PDA, and the like, or any other processor-based mobile device for facilitating communications over one or more carrier networks 180 a , 180 b and/or for facilitating communications within a testing environment.
  • each mobile device 150 a , 150 b may be registered with a specific MNO computer 140 a , 140 b for communicating via the respective carrier network 180 a , 180 b .
  • a mobile device 150 a , 150 b may not be registered with a specific MNO; however, the mobile device 150 a , 150 b may be specifically configured for operation within a testing environment.
  • each of the mobile devices 150 a , 150 b may further include one or more memory devices 152 a , 152 b , input/output (“I/O”) interface(s) 158 a , 158 b , and network interface(s) 159 a , 159 b .
  • the memory 152 a , 152 b may be any computer-readable medium, coupled to the processor(s) 156 , such as RAM, ROM, and/or a removable storage device for storing data files.
  • the memory 152 a , 152 b may also include secure elements 155 a , 155 b for maintaining mobile device applications and confidential data, as may be provisioned via the TSM computer 110 and associated provisioning services.
  • a secure element 155 a , 155 b may be configured to store a key information, such as test key information, as well as certain identification information for the mobile device and the secure element 155 a , 155 b (e.g., CPLC information, etc.).
  • the secure element 155 a , 155 b may utilize at least a portion of this information to generate requests, such as provisioning requests and/or transaction requests within a testing environment.
  • a mobile device 150 a , 150 b and/or an associated secure element 155 a , 155 b may be authenticated within the testing environment. Additionally, in certain embodiments, a secure element 155 a , 155 b may store an authentication module or program utilized by a mobile device 150 a , 150 b to tag an/or encrypt communications output by the mobile device 150 a , 150 b and/or to decrypt communications received by the mobile device 150 a , 150 b.
  • the memory 152 a , 152 b may also store any number of data files 153 a , 153 b and/or various program modules, such as an operating system (“OS”), end user interface module(s), and a provisioning module 154 a , 154 b (also referred to interchangeably herein as “KMS and/or testing environment administration software”).
  • the OS may be any mobile operating system, including proprietary operating systems by a mobile device manufacturer or mobile network operator, or third party software vendor mobile operating system, such as, but not limited to, Microsoft Windows CE®, Microsoft Windows Mobile®, Symbian OSTM, Apple iPhoneTM OS, RIM BlackBerry® OS, Palm OS® by ACCESS, or Google AndroidTM.
  • the provisioning module 154 a , 154 b may comprise computer-executable program instructions or software, including a dedicated program, for facilitating mobile device application provisioning on general memory and/or on the secure elements 155 a , 155 b as carried out by the KMS computer 110 and/or various testing environment devices that are accessed once a test key has been loaded.
  • the secure elements 155 a , 155 b may refer to any computer-readable storage in the memory 152 and/or may refer to any securitized medium having memory, such as a Universal Integrated Circuit Card (“UICC”), Subscriber Identity Module (“SIM”), and the like.
  • UICC Universal Integrated Circuit Card
  • SIM Subscriber Identity Module
  • the secure elements 155 a , 155 b may be operable with a RFID device or other NFC device associated with the mobile devices 150 a , 150 b . It is also appreciated that the secure elements 155 a , 155 b may be a separate embedded secure element (e.g., smart card chip) or a separate element (e.g., removable memory card, a key fob; connected via Bluetooth, etc.). For example, a secure element chip may be embedded in a mobile device 150 a , 150 b separately from a general operation chip utilized by the mobile device 150 a , 150 b .
  • a separate embedded secure element e.g., smart card chip
  • a separate element e.g., removable memory card, a key fob; connected via Bluetooth, etc.
  • a secure element chip may be embedded in a mobile device 150 a , 150 b separately from a general operation chip utilized by the mobile device 150 a , 150 b .
  • the secure elements 155 a , 155 b may include any suitable hardware and/or software, such as memory, processing components, and communications components.
  • the secure elements 155 a , 155 b may be configured to communicate with other elements of the mobile devices 150 a , 150 b , such as a general or shared memory chip associated with the mobile devices 150 a , 150 b .
  • a mobile wallet may be stored in shared memory, and a secure element 155 a , 155 b may be accessed to encrypt and/or decrypt transactions generated by and/or received by the mobile wallet.
  • the I/O interface(s) 158 a , 158 b may facilitate communication between the processors 156 a , 156 b and various I/O devices, such as a keypad, touch screen, keyboard, mouse, printer, microphone, speaker, screen display, RFID device, NFC device, and the like.
  • the network interface(s) 159 a , 159 b may take any of a number of forms to permit wireless communications according to various communications standards, such as, but not limited to, Code Division Multiple Access (“CDMA”), Global System for Mobile Communication (“GSM”), Universal Wireless Communications (“UWC”), Universal Mobile Telecommunications System (“UMTS”), or General Packet Radio Service (“GPRS”) communication standards as may be implemented by one or more carrier networks 180 a , 180 b .
  • the network interfaces(s) 159 a , 159 b may further permit access to other networks 170 , such as via one or more carrier networks 180 a , 180 b providing Internet or other network access, or via Wi-Fi communications onto a Wi-Fi network.
  • the mobile devices 150 a , 150 b may be implemented on a particular machine, which may include a computer that is designed, customized, configured, or programmed to perform at least one or more functions of the provisioning module 154 a , 154 b and other mobile communications, including voice communications, data communications, short message service (“SMS”), wireless application protocol (“WAP”), multimedia message service (“MMS”), Internet communications, other wireless communications, and the like, according to an example embodiment of the invention.
  • SMS short message service
  • WAP wireless application protocol
  • MMS multimedia message service
  • Internet communications other wireless communications, and the like
  • the TSM computers 160 may include any number of processor-driven devices, including but not limited to, a server computer, a mainframe computer, one or more networked computers, a desktop computer, a personal computer, a laptop computer, a mobile computer, or any other processor-based device.
  • a TSM computer 160 may be configured to facilitate integration between multiple service providers and multiple mobile devices for various commercial purposes.
  • a TSM may be a third party entity strategically positioned to provide mobile device application provisioning services and integration functionality for provisioning mobile device applications and associated end user data (e.g., encryption data, key information, etc.) to end users' mobile devices, to provide mobile device application-related lifecycle management services, to manage the many-to-many relationships between the multiple service providers and the MNOs operating the carrier networks, and/or to authenticate mobile devices during the processing of a wide variety of different requests and/or transactions.
  • Applications that can be provisioned on mobile devices via a TSM can be any software application provided by a service provider and operable with a mobile device.
  • NFC near field communication
  • RFID radio frequency identification
  • mobile device applications are not limited to NFC-based applications.
  • Example mobile device applications may include, but are not limited to, open loop and closed loop payment applications (e.g., MasterCard® PayPassTM, Visa payWaveTM, American Express® ExpressPay, Discover® ZIP, NXP Mifare®, etc.), transit payment applications, loyalty applications, membership applications, electronic promotion and incentive applications, ticketing applications, access control and security applications, entertainment applications, retail shopping applications, and the like.
  • a TSM may be configured to operate in conjunction with mobile devices that utilize production keys rather than test keys.
  • the TSM computer 160 may be configured to receive information associated with mobile devices on which test keys have been loaded.
  • the TSM computer 160 may identify test devices and limit or eliminate the operations of the test devices that may be performed in a commercial environment.
  • the TSM computer 160 may prevent the provisioning of financial account information and/or financial applications to the test devices.
  • each of the TSM computers 160 may further include one or more memory devices 162 , input/output (“I/O”) interface(s) 168 , and network interface(s) 169 .
  • the memory 162 may be any computer-readable medium, coupled to the processor(s) 166 , such as RAM, ROM, and/or a removable storage device for storing data files and a DBMS to facilitate management of data files and other data stored in the memory 162 and/or stored in one or more separate databases 175 (e.g., a database of key information and/or authentication information, etc.).
  • the memory 162 may also store various program modules, such as an operating system (“OS”) and a key management module 164 .
  • OS operating system
  • key management module 164 a key management module
  • the OS may be, but is not limited to, Microsoft Windows®, Apple OSXTM, Unix, a mainframe computer operating system (e.g., IBM z/OS, MVS, OS/390, etc.), or a specially designed operating system.
  • the key management module 164 may comprise computer-executable program instructions or software, including a dedicated program, for managing keys, authenticating mobile devices, and/or identifying test devices that are not suitable for operation within a commercial environment.
  • the I/O interface(s) 168 may facilitate communication between the processors 166 and various I/O devices, such as a keyboard, mouse, printer, microphone, speaker, monitor, bar code reader/scanner, RFID reader, and the like.
  • the network interface(s) 169 may take any of a number of forms, such as, but not limited to, a network interface card, a modem, a wireless network card, a cellular network card, or any other means operable for facilitating communications with the network 170 .
  • the TSM computer 160 may be implemented on a particular machine, which may include a computer that is designed, customized, configured, or programmed to perform at least one or more functions of the key management module 164 and/or other TSM functions as described above, according to an example embodiment of the invention. Additionally, in certain embodiments, the TSM computer 160 may be combined with the KSM computer 110 . In other words, a single server may be provided that facilitates management and/or provisioning of both test devices and commercial devices (e.g., mobile devices having production keys, etc.).
  • the network 170 may include any telecommunication and/or data network, whether public, private, or a combination thereof, including a local area network, a wide area network, an intranet, an internet, the Internet, intermediate handheld data transfer devices, a publicly switched telephone network (“PSTN”), a cellular network, and/or any combination thereof and may be wired and/or wireless.
  • PSTN publicly switched telephone network
  • the network 170 may also allow for real time, near real time, off-line, and/or batch transactions to be transmitted between or among the KMS computer 110 , the MNO computer(s) 140 a , 140 b , the mobile devices 150 a , 150 b , and the TSM computers 160 . Due to network connectivity, various methodologies as described herein may be practiced in the context of distributed computing environments.
  • the network 170 may include a plurality of networks, each with devices such as gateways and routers for providing connectivity between or among networks 170 .
  • devices such as gateways and routers for providing connectivity between or among networks 170 .
  • dedicated communication links may be used to connect the various devices in accordance with an example embodiment.
  • the mobile carrier networks 180 a , 180 b may include any cellular telecommunication network, each operated by a respective mobile network operator.
  • the mobile carrier networks may be implemented to operate according to one or more wireless technology formats, including, but not limited to, CDMA, GSM, UWC, UMTS, GPRS, and/or any “generation” or version thereof.
  • each mobile device 150 a , 150 b is configured to operate primarily on a certain carrier network 180 a , 180 b as operated by the mobile network operator with which the mobile device end user has an agreement and with which the mobile device is registered.
  • mobile devices 150 a , 150 b and carrier networks 180 a , 180 b may be configured to permit interoperability of mobile devices on non-registered carrier networks 180 a , 180 b.
  • each of the memories and data storage devices can store data and information for subsequent retrieval.
  • the system 100 can store various received or collected information in memory or a database associated with one or more of the KMS computer(s) 110 , the MNO computer(s) 140 a , 140 b , the mobile devices 150 a , 150 b , and/or the TSM computer(s) 160 .
  • the memories and databases can be in communication with each other and/or other databases, such as a centralized database, or other types of data storage devices.
  • data or information stored in a memory or a database may be transmitted to a centralized database capable of receiving data, information, or data records from more than one database or other data storage devices.
  • the databases shown can be integrated or distributed into any number of databases or other data storage devices.
  • Suitable processors may comprise a microprocessor, an application-specific integrated circuit (“ASIC”), and/or state machine.
  • Example processors can be those provided by Intel Corporation (Santa Clara, Calif.), AMD Corporation (Sunnyvale, Calif.), and Motorola Corporation (Schaumburg, Ill.).
  • one or more of the computers can be configured as a multi-processor computer having multiple processors 116 , 146 a , 146 b , 156 a , 156 b , 166 providing parallel and/or redundant processing capabilities.
  • Such processors comprise, or may be in communication with, media, for example, computer-readable media, which stores instructions that, when executed by the processor, cause the processor to perform the elements described herein.
  • Computer-readable media include, but are not limited to, an electronic, optical, magnetic, or other storage or transmission device capable of providing a processor with computer-readable instructions.
  • suitable media include, but are not limited to, a floppy disk, pen drive, CD-ROM, DVD, magnetic disk, memory chip, ROM, RAM, EPROM, EEPROM, a configured processor, all optical media, all magnetic tape or other magnetic media, or any other medium from which a computer processor can read instructions.
  • various other forms of computer-readable media may transmit or carry instructions to a computer, including a router, gateway, private or public network, or other transmission device or channel, both wired and wireless.
  • the instructions may comprise code from any computer-programming language, including but not limited to, assembly, C, C++, C#, Visual Basic, Java, Python, Perl, JavaScript, GPSS, LISP, SAS, Parlay, JAIN, or Open Mobile Architecture.
  • the system 100 shown in and described with respect to FIG. 1 is provided by way of example only. Numerous other operating environments, system architectures, and device configurations are possible. Other system embodiments can include fewer or greater numbers of components and may incorporate some or all of the functionality described with respect to the system components shown in FIG. 1 . For example, a respective KMS may be provided for each of a plurality of testing environments.
  • the designation of system components by “a” and “b” is not intended to limit the number of possible components, but instead are provided for illustrative purposes to indicate that more than one of the respective components can be provided. Accordingly, embodiments of the invention should not be construed as being limited to any particular operating environment, system architecture, or device configuration.
  • FIG. 2 illustrates an example block diagram 200 illustrating data flow and integration points between the KMS computer 110 and the various other entities that may participate in mobile device test key rotation, such as multiple MNO computers 140 , and multiple mobile devices 150 , according to one embodiment of the invention.
  • An example operation of the block diagram 200 of FIG. 2 will be described separately and in conjunction with the flow diagrams of FIGS. 3-4 .
  • a KMS and associated KMS computer 110 may be operable to provide test keys to mobile devices and/or mobile device secure elements. These test keys allow the mobile devices to be utilized within various testing environments, such as a DEV environment, a QA environment, or a CAT or UAT environment.
  • the KMS computer 110 may additionally be operable to load, delete, and manage mobile device applications and associated end user data on test mobile devices on behalf of various testing entities.
  • one or more servers associated with testing entities may be configured to provide application management functionality.
  • the KMS computer 110 and/or separate testing entity servers may be operable to facilitate the authentication of test mobile devices.
  • the KMS computer 110 may be operable to provide, but is not limited to, one or more of the following functions: to act as a single point of integration between testing service providers, MNOs, and other TSMs; to load key information and/or mobile device applications over the air to mobile devices; to accept, prepare and personalize mobile device application end user data; to enable other entities to authenticate mobile devices and/or end users; to manage secured keys (e.g., cryptographic keys, master keys, rotated keys, test keys, etc.) used for testing application provisioning, personalization, and/or authentication of mobile devices; to manage mobile device application lifecycles on behalf of service providers over the life of an application; to manage mobile device lifecycles on behalf of MNOs over the life of a handset; and to provide billing and other administration functions to support relationships between MNOs and service providers, and between the KMS and each MNO and service provider.
  • secured keys e.g., cryptographic keys, master keys, rotated keys, test keys, etc.
  • the secure element preparation module 126 may be configured to facilitate preparing mobile device secure elements, such as requesting increased space allocated on the secure element for provisioning applications and verifying secure element properties with the MNO. According to various embodiments, the secure element preparation module 126 may further be configured to receive and/or provide personalization data associated with mobile device applications for each end user during provisioning.
  • the KMS computer 110 may generate or identify a test key to be provided to a mobile device secure element, and the KMS computer 110 may coordinate the provisioning of the test key to the secure element.
  • a wide variety of suitable techniques may be utilized to facilitate the provisioning of the test key to a mobile device, such as over the air provisioning via a carrier network, Web-based communications (e.g., communications managed by one or more Web servers 137 , and/or contactless provisioning (e.g., radio frequency provisioning, NFC provisioning, etc.) on mobile devices that are situated in relatively close proximity to the KMS computer 110 .
  • Web-based communications e.g., communications managed by one or more Web servers 137
  • contactless provisioning e.g., radio frequency provisioning, NFC provisioning, etc.
  • the over the air provisioning module 130 may be configured to facilitate the OTA provisioning of mobile device applications and associated end user data with multiple mobile devices. As described in more detail herein, the OTA provisioning module 130 may facilitate communications with third party OTA provisioning providers via the OTA services gateway 135 , and/or can facilitate direct provisioning by the KMS computer 110 . It is appreciated that, according to some embodiments, the functions of the OTA provisioning module 130 may also be implemented in one or more of the MNO computers 140 and/or within functions implemented by the carrier networks 180 a , 180 b , either instead of, or in combination with, those provided in the TSM computer via the OTA provisioning module 130 .
  • an authentication module may be provided and configured to provide administration and maintenance functions for secured keys (e.g., test keys, production keys, etc.) in accordance with KMS security policies, MNO security policies, test environment security policies, and/or TSM security policies.
  • KMS security policies e.g., test keys, production keys, etc.
  • MNO security policies e.g., test keys, production keys, etc.
  • TSM security policies e.g., test keys, production keys, etc.
  • Various functions performed by the KMS computer 110 may integrate with the authentication module to provide security for end users, MNOs, test environment devices, and TSMs.
  • the authentication module may be configured to format key information, such as test key or rotated test key information, for communication to a mobile device and/or provisioning or storage on a secure element associated with the mobile device.
  • the mobile device may be authenticated during subsequent requests within a testing environment or a TSM environment.
  • each MNO computer 140 may be operable to provide the communications channel to reach and provision test key information and/or various mobile device applications and associated end user data on end users' mobile devices.
  • each MNO computer 140 may be operable to provide, but is not limited to, one or more of the following functions: provide the TSM computer with information on mobile device secure elements and unique mobile device identity modules (e.g., Universal Subscriber Identity Modules (“USIMs”)) throughout the lifecycle; provide a communications gateway via a respective carrier network for OTA provisioning of mobile device applications; provide a mobile device user interface for accessing provisioned mobile device applications on each mobile device (e.g., a mobile wallet); facilitate management of secured keys used to securely load and delete mobile device applications on mobile device secure elements; interface with the KMS computer; facilitate authentication of the end user interfacing with the KMS; facilitate allocating memory for mobile device applications on the end users' mobile devices; communicate to the KMS computer that unique end user identity modules have changed; communicate to the KMS computer the status of
  • An MNO gateway 134 and associated MNO interface 122 are operable for providing a common point of integration between the TSM computer 110 and the multiple MNO computers 140 .
  • the MNO interface 122 is configured to communicate with each MNO according to the same common MNO message standard, as described further herein.
  • the MNO gateway 134 and associated MNO interface 122 are further operable to permit the TSM computer 110 to communicate with mobile devices 150 via a respective carrier network operated by each MNO.
  • the TSMs and associated TSM computers 160 are operable to provide one or more provisioning services, authentication services, key management services, and/or integration services to mobile devices that are utilized within commercial non-test environments.
  • the TSM computers 160 may receive information associated with test devices (e.g., device identifiers, secure element identifiers, test keys, production keys, etc.), and the TSM computers 160 may limit commercial functionality provided for the test devices.
  • test devices e.g., device identifiers, secure element identifiers, test keys, production keys, etc.
  • a TSM gateway 133 and associated TSM interface 121 are operable for providing a common point of integration between the KMS computer 110 and the multiple TSMs 160 .
  • the mobile devices 150 represent the respective end users that are utilized and/or will be utilized in test environments.
  • a test mobile device 150 may have a contractual relationship with an MNOs (e.g., for operating on a respective carrier network).
  • each mobile device 150 may be operable to provide, but is not limited to, one or more of the following functions: activate mobile devices and/or secure elements with an MNO and/or test environment; register for and request test keys and/or mobile device applications for use in a test environment; download mobile device applications and associated end user data on mobile device secure elements; authenticate the respective end user and/or mobile device within a test environment; and/or perform transactions within a test environment using the provisioned mobile device applications (e.g., a payment transaction at a retailer, etc.).
  • provisioned mobile device applications e.g., a payment transaction at a retailer, etc.
  • An OTA services gateway 135 and associated OTA services interface 123 are operable to facilitate provisioning of key information and/or mobile device applications and associated end user data to mobile devices 150 .
  • the OTA services gateway 135 may be configured to permit the KSM computer 110 to transact with third party OTA provisioning providers to perform all or some of the OTA provisioning services with mobile devices 150 , such as by utilizing a common provisioning messaging standard for all third party OTA provisioning providers in a manner similar to that described with reference to the MNO interface 122 .
  • the OTA services gateway 135 may be configured to permit the KMS computer 110 to provision mobile device applications and associated end user data directly to the mobile devices 150 , such as via one or more carrier networks.
  • the MNO gateway 134 and associated MNO interface 122 may be utilized at least in part to provide OTA provisioning by the TSM computer 110 , such as for accessing and communicating over a respective MNO carrier network.
  • a device registration gateway 136 and associated device registration interface 124 are operable to facilitate communications with mobile devices for registering to receive test keys and/or mobile device applications, and the like.
  • MNO computers 140 and/or other service providers may provide registration applications for mobile devices (e.g., mobile device-based registration interface, Internet-based registration interface, etc.).
  • the device registration gateway 136 and associated device registration interface 124 may provide a common integration point and associated common messaging standard for receiving and responding to such requests.
  • the KMS computer 110 may be configured to provide similar registration services to mobile devices, such as may be performed on behalf of the MNOs and/or other service provider.
  • a test key may be generated for a mobile device that facilitates use of the mobile device within a testing environment.
  • a test key may be generated during the registration of a mobile device with a KMS computer 110 , and a production key for a mobile device secure element may be replaced with a test key.
  • the provision of test keys is described for mobile devices, the provision of test keys may be performed for a wide variety of other devices, such as tablet computers and/or other devices that may not be capable of communications via a carrier network.
  • FIG. 3 illustrates a flow diagram of an example method 300 for providing a test key to a mobile device, according to an example embodiment of the invention.
  • the method 300 may be performed by a suitable key management system, such as the system 100 illustrated in FIG. 1 .
  • the method 300 may begin at block 305 .
  • registration request may be received for a mobile device, such as one of the mobile devices 150 illustrated in FIG. 1 .
  • a registration request to activate the mobile device for use within a testing environment may be received.
  • the request may be received utilizing a wide variety of suitable communication techniques.
  • the request may be received via an MNO and/or carrier network.
  • the request may be received via a suitable Web interface and/or Web server associated with the KMS computer 110 .
  • the request may be received based upon a positioning of a mobile device 150 in proximity to a contactless reader/writer device or other suitable device, such as a kiosk or other reader/or writer device, that facilitates the provision of a test key to the mobile device 150 .
  • a registration request may not be received, and the provision of a test key may be initiated by the KMS computer 110 .
  • a wide variety of information may be received from the mobile device 150 during a registration request and/or in association with the provisioning of a test key to the mobile device 150 .
  • suitable information examples include, but are not limited to, an identification information for the mobile device 150 , identification information for a secure element associated with the mobile device 150 (e.g., card production life cycle (“CPLC”) information and/or other identifying information associated with a secure element (e.g., the ICCID, IMSI, etc.)), information associated with a production key associated with the mobile device 150 , and/or an identifier of a desired testing environment (e.g., a DEV environment, a QA environment, or a CAT or UAT environment).
  • CPLC card production life cycle
  • ICCID e.g., the ICCID, IMSI, etc.
  • a desired testing environment e.g., a DEV environment, a QA environment, or a CAT or UAT environment.
  • a desired testing environment for the mobile device 150 may be identified. For example, information received from the mobile device 150 may be evaluated in order to determine or identify a desired testing environment. As another example, input received from other entities (e.g., a testing service provider) and/or via one or more I/O devices (e.g., a keyboard, mouse, etc.) may be evaluated in order to identify a desired testing environment. For example, a testing environment indication may be entered into a kiosk associated with the KMS computer 110 , directly entered into the KMS computer 110 by a user, and/or received via a Web server from a service provider conducting testing on the mobile device 150 .
  • entities e.g., a testing service provider
  • I/O devices e.g., a keyboard, mouse, etc.
  • a test key may be generated, determined, or derived for the mobile device 150 and/or the secure element.
  • a base level key such as a master key determined by a testing service provider or a mobile device manufacturer, may be utilized to generate or derive the rotated key.
  • suitable rotation techniques e.g., a key schedule, etc.
  • additional information may be combined with the base level key during a derivation of a test key.
  • At least a portion of the received identifying information may be utilized in conjunction with the base level key to derive a test key.
  • an identifier of the secure element may be combined (e.g., added, multiplied, etc.) with the base level key to derive a test key for the mobile device 150 .
  • test keys may be specified by a testing entity for provision to mobile devices 150 and a next available test key may be selected. Indeed, a wide variety of suitable methods and/or techniques may be utilized to identify a suitable test key.
  • the test keys that are utilized for a testing environment may be unique to the testing environment and/or determined based upon an identification of the testing environment.
  • identifying information for the mobile device 150 may be modified or updated by the KMS computer 110 .
  • received CPLC information may be modified or updated by the KMS computer 110 .
  • a wide variety of different aspects of CPLC information and/or identifying information may be updated as desired in various embodiments, such as date information, version information, key version information, etc.
  • the updated identifying information may be utilized in the derivation of a rotated key.
  • the generated or derived test key and/or any updated identifying information may be provided by the KMS computer 110 to the mobile device 150 .
  • the test key and/or identifying information may be provisioned or otherwise provided to a secure element of the mobile device 150 .
  • a production key or manufacturer provided key associated with the secure element may be replaced with the test key.
  • the test key may be utilized by the mobile device 150 to facilitate identification and/or authentication of the mobile device 150 within a designated testing environment, as well as for the encryption and/or decryption of communications within the testing environment.
  • the KMS computer 110 may store or direct the storage of the generated test key, the production key that was originally stored on the mobile device 150 , and/or identifying information for the mobile device 150 and/or secure element in one or more suitable memory devices, such as the databases 138 illustrated in FIG. 1 .
  • the KMS computer 110 and/or various testing environment servers may access the information to facilitate an authentication of the mobile device 150 at a subsequent point in time, such as during the processing of testing environment requests.
  • the KMS computer 110 may access the information to facilitate a replacement of the test key on a mobile device 150 with the original production key that was previously removed from the secure element.
  • information associated with the test key provision may be provided to a wide variety of other entities, such as a testing environment server and/or to a TSM.
  • a wide variety of information may be provided as desired in various embodiments of the invention, such as identification information for the mobile device 150 and/or the secure element, test key information, and/or information associated with the product keys.
  • a testing environment server may utilize the received information to facilitate the authentication of the mobile device 150 within the testing environment and/or to facilitate the provisioning of various applications to the mobile device 150 and the processing of various transactions associated with the mobile device 150 .
  • a TSM may utilize the received information to facilitate the identification and/or blacklisting of test devices.
  • a TSM that is utilized in a commercial environment may limit and/or prohibit the functionality of test devices within the commercial environment. Additionally, the TSM may identify and/or address various security breaches within a commercial environment. For example, the TSM may prevent a security breach resulting from an attempted fraudulent loading of a production key originally associated with a test device onto another device.
  • the method 300 may end following block 330 .
  • FIG. 4 illustrates a flow diagram of an example method 400 for providing a test key to a mobile device via over the air provisioning, according to an example embodiment of the invention.
  • the method 400 may be one example of the operations that may be performed to facilitate the method 300 of FIG. 3 . It will be appreciated that other methods and/or techniques other than OTA provisioning, such as Web-based techniques and/or contactless reader communications, may be utilized to facilitate the provision of test keys to mobile devices.
  • the method 400 may be performed by a suitable key management system, such as the system 100 illustrated in FIG. 1 .
  • the method 400 may begin at block 402 .
  • a user may activate a mobile device, such as one of the mobile devices 150 illustrated in FIG. 1 .
  • the activation of the mobile device 150 may be an initial activation of the mobile device 150 .
  • the mobile device 150 may attempt to facilitate a registration with the MNO computer 140 and/or a KMS computer, such as the KMS computer 110 illustrated in FIG. 1 .
  • a mobile device 150 may be situated in close proximity to the KMS computer 110 or associated key rotation device, and the KMS computer 110 may initiate the key rotation.
  • a user command may be received by the mobile device 150 , and a key rotation may be requested based at least in part upon receipt of the user command.
  • a suitable authentication notification may be sent to the MNO computer 140 .
  • the MNO computer 140 may validate the mobile device 150 , and an authentication token may be returned to the mobile device 150 .
  • the authentication token may be utilized to form a relatively secure communications channel between the mobile device 150 and the MNO computer 140 .
  • a registration request or key rotation request may be generated by the mobile device 150 , and the generated request may be output for communication to the MNO computer 140 .
  • the request may include an identifier of a desired testing environment in which the mobile device 150 will be utilized.
  • the request may be received and processed by the MNO computer 140 at block 406 .
  • a request identifier may be output by the MNO computer 140 at block 408 for communication to the mobile device 150 .
  • an instruction for the mobile device 150 to contact the KMS computer 110 for key rotation purposes utilizing the request identifier may also be communicated to the mobile device 150 .
  • contact information for the KMS computer 110 may also be communicated to the mobile device 150 .
  • the request identifier and/or associated information may be received by the mobile device 150 at block 410 .
  • a test registration request may be generated by the mobile device 150 and output for communication to the KMS computer 110 .
  • the request identifier may be utilized to generate the test registration request and/or direct the transmission of the test registration request to the KMS computer 110 .
  • the test registration request may be received and processed by the KMS computer 110 at block 414 .
  • any number of suitable networks and/or communications techniques may be utilized to facilitate the communication of the request to the KMS computer 110 .
  • the request may be communicated via a suitable carrier network, such as one of the carrier networks 180 illustrated in FIG. 1 .
  • the request may be communicated directly to the KMS computer 110 .
  • the request may be communicated through any number of intermediary systems and/or devices, such as an MNO computer 140 .
  • the KMS computer 110 may request an OTA proxy associated with the mobile device 150 be woken up or activated.
  • a request for OTA proxy activation may be sent to the MNO computer 140 at block 416 .
  • the MNO computer 140 may be requested to wake up an OTA proxy that is stored on a general or shared memory or general operation chip associated with the mobile device 150 .
  • the MNO computer 140 may receive the request at block 418 and push or otherwise communicate a request to wake up the OTA proxy to the mobile device 150 .
  • the OTA proxy wake up request may be received by the mobile device 150 .
  • the OTA proxy associated with the mobile device 150 may be activated and/or woken up, and an OTA proxy message associated with the registration of the mobile device 150 may be communicated by the mobile device 150 to the KMS computer 110 at block 422 .
  • the OTA proxy registration message may be received by the KMS computer 110 at block 424 .
  • a secure communications channel may be established between the KMS computer 110 and the mobile device 150 (or the mobile device secure element). As desired, a wide variety of suitable techniques may be utilized to authenticate a secure communications channel.
  • a registration identifier received from the mobile device 150 and a registration identifier received from the MNO computer 140 may be compared to facilitate the authentication of a secure communications channel.
  • one or more Application Protocol Data Unit (“APDU”) commands may be utilized to facilitate the authentication of a secure communications channel.
  • APDU Application Protocol Data Unit
  • any number of suitable handshake procedures may be utilized to facilitate the authentication and/or the establishment of a secure communications channel.
  • identifying information for the mobile device 150 and/or a mobile device secure element may be requested by the KMS computer 110 .
  • the mobile device 150 may be requested to communicate identifying information to the KMS computer 110 via the secure communications channel.
  • a wide variety of different types of identifying information may be requested as desired in various embodiments of the invention, including but not limited to, an identifier of a desired testing environment, an identifier of the secure element, CPLC information for the secure element, production key information stored on the secure element, and/or an identifier of production key information (e.g., a numerical identifier of a production key stored within a list of production keys, etc.).
  • the request for identifying information may be received by the mobile device 150 via the secure communications channel, and the requested information may be returned to the KMS computer 110 by the mobile device 150 at block 430 .
  • the KMS computer 110 may receive and process the requested identifying information.
  • the KMS computer 110 may determine at block 434 whether the secure element may be authenticated. For example, at least a portion of the received identifying information may be compared to expected identifying information, and a determination may be made as to whether the secure element and/or the mobile device 150 is valid based at least in part upon the comparison.
  • received CPLC information may be compared to stored CPLC information, such as CPLC information previously received from a device manufacturer or other third party data source. If it is determined at block 434 that the secure element is not authenticated, then operations may continue at block 436 , and the mobile device 150 may be marked as an invalid mobile device, and the key rotation process may end. As desired, a registration error message may be communicated by the KMS computer 110 to the mobile device 150 for display or other presentation to a user. The error message may be received and processed by the mobile device 150 at block 438 , and operations may end following block 438 .
  • a test key may be generated or derived for the mobile device 150 and/or the secure element.
  • a wide variety of suitable methods and/or techniques may be utilized as desired to generate or derive a test key. For example, a desired testing environment may be identified, and a next available test key for the desired testing environment may be accessed from memory and/or obtained from a device associated with the testing environment.
  • a base level key associated with the testing environment such as a master key, may be utilized to generate or derive a test key for the testing environment.
  • a wide variety of suitable rotation techniques e.g., a key schedule, etc.
  • other methods or derivation techniques may be utilized as desired to derive a test key from the master key.
  • additional information may be combined with the base level key during a derivation of a test key.
  • at least a portion of the received identifying information such as CPLC information and/or an identifier of the secure element, may be utilized in conjunction with the base level key to derive a test key for the mobile device 150 .
  • identifying information for the mobile device 150 may be modified or updated by the KMS computer 110 at block 440 .
  • received CPLC information may be modified or updated by the KMS computer 110 .
  • a wide variety of different aspects of CPLC information and/or identifying information may be updated as desired in various embodiments, such as date information, version information, key version information, etc.
  • the updated identifying information may be utilized in the derivation of a test key.
  • the generated or derived test key and/or any updated identifying information may be communicated or transmitted by the KMS computer 110 to the mobile device 150 .
  • the test key and/or identifying information may be provisioned or otherwise provided to a secure element of the mobile device 150 via the OTA proxy.
  • the mobile device 150 may receive and store the test key and/or identifying information at block 444 .
  • the test key and/or identifying information may be stored on the secure element, and the production key may be replaced on the secure element.
  • the test key may be utilized by the mobile device 150 and/or the secure element to facilitate identification of the mobile device 150 within the testing environment and/or the encrypt and/or decryption of communications within the testing environment.
  • the test key, information utilized to derive the test key, received identifying information, updated identifying information, the production key, and/or information utilized to identify the production key may be stored by the KMS computer 110 in one or more suitable memory devices, such as the databases 138 illustrated in FIG. 1 .
  • the stored information may be subsequently accessed to facilitate authentication of the mobile device 150 by the KMS computer 110 and, as desired, replacement of the test key with the production key.
  • at least a portion of the information may be communicated by the KMS computer 110 to one or more TSMs 160 , such as a TSM that facilitates authentication and/or integration of mobile devices within a commercial environment.
  • the TSM may facilitate subsequent identification of and/or blacklisting of the test mobile device 150 within a commercial environment. Additionally, the TSM may facilitate the identification of potential security risks based upon an attempted use of the production key associated with the test mobile device 150 within a commercial environment.
  • the communicated information may be received and stored by the TSMs at block 448 .
  • the method 400 may end following either block 438 or block 448 .
  • These computer-executable program instructions may be loaded onto a special purpose computer or other particular machine, a processor, or other programmable data processing apparatus to produce a particular machine, such that the instructions that execute on the computer, processor, or other programmable data processing apparatus create means for implementing one or more functions specified in the flow diagram block or blocks.
  • These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means that implement one or more functions specified in the flow diagram block or blocks.
  • embodiments of the invention may provide for a computer program product, comprising a computer-usable medium having a computer-readable program code or program instructions embodied therein, said computer-readable program code adapted to be executed to implement one or more functions specified in the flow diagram block or blocks.
  • the computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational elements or steps to be performed on the computer or other programmable apparatus to produce a computer-implemented process such that the instructions that execute on the computer or other programmable apparatus provide elements or steps for implementing the functions specified in the flow diagram block or blocks.
  • blocks of the block diagrams and flow diagrams support combinations of means for performing the specified functions, combinations of elements or steps for performing the specified functions and program instruction means for performing the specified functions. It will also be understood that each block of the block diagrams and flow diagrams, and combinations of blocks in the block diagrams and flow diagrams, can be implemented by special purpose, hardware-based computer systems that perform the specified functions, elements or steps, or combinations of special purpose hardware and computer instructions.

Abstract

Embodiments of the invention provide systems and methods for providing test keys to mobile devices. According to one example embodiment of the invention, a method for providing test keys to mobile devices is provided. Identifying information for a mobile device or a secure element associated with the mobile device can be received. A test key to be provided to the mobile device is determined. The test key can be configured to facilitate the use of the mobile device within a test environment. The test key can be provided to the mobile device, wherein a production key stored on the secure element can be replaced by the test key. In certain embodiments, the operations of the method may be performed by one or more computers associated with the service provider.

Description

    RELATED APPLICATION
  • This application claims priority to U.S. Ser. No. 61/490,501, titled “Trusted Service Manager,” filed on May 26, 2011, the contents of which are incorporated herein by reference.
  • FIELD OF THE INVENTION
  • Embodiments of the invention relate generally to mobile devices, and more specifically to systems and methods for providing test keys to mobile devices.
  • BACKGROUND OF THE INVENTION
  • Mobile devices, such as cell phones, personal digital assistants (“PDAs”), smart phones, and other similar devices, have increasingly been utilized to provide additional functionality beyond traditional voice communications. One component of enabling the mobile devices to support these additional functionalities includes installing software applications on the mobile devices. Mobile device applications can facilitate a variety of services performed by or with the mobile devices, including payment applications (e.g., prepaid, credit, debit, etc.), loyalty or incentive applications, transportation payment applications, access control applications, entertainment applications, and the like. Given the sensitive nature of data that may be transmitted or communicated during the provision of a service, such as a payment service, authentication of mobile devices and/or the protection of data becomes critical. In some instances, a secure element, such as a smart card chip, is incorporated into a mobile device to facilitate the secure management of data and the encryption of device communications.
  • As different service providers wish to test mobile devices and/or mobile device applications, the service providers may wish to replace production keys initially installed on the secure elements of the devices with test keys. The test keys will allow the mobile devices to be utilized within a testing environment. Accordingly, there is an opportunity for systems and methods for providing test keys to mobile devices.
  • BRIEF DESCRIPTION OF THE INVENTION
  • Embodiments of the invention may provide systems and methods for providing test keys to mobile devices. According to one example embodiment of the invention, a method for providing test keys to mobile devices is provided. Identifying information for a mobile device or a secure element associated with the mobile device can be received. A test key to be provided to the mobile device is determined. The test key can be configured to facilitate the use of the mobile device within a test environment. The test key can be provided to the mobile device, wherein a production key stored on the secure element can be replaced by the test key. In certain embodiments, the operations of the method may be performed by one or more computers associated with a service provider.
  • According to another embodiment, a system for providing test keys to mobile devices is provided. The system may include at least one memory and at least one processor. The at least one memory may be configured to store computer-executable instructions. The at least one processor may be configured to access the at least one memory and execute the computer-executable instructions to: system for providing test keys to mobile devices, the system comprising: receive identifying information for a mobile device or a secure element associated with the mobile device; determine a test key to be provided to the mobile device, the test key configured to facilitate the use of the mobile device within a test environment; and provide the determined test key to the mobile device; wherein a production key stored on the secure element is replaced by the test key. In certain embodiments, one or more operations can be performed by one or more computers associated with a service provider.
  • According to yet another embodiment of the invention, a method for receiving test keys by mobile devices is provided. Identifying information from a mobile device or a secure element associated with the mobile device can be transmitted. A test key can be received at the mobile device, wherein the test key is configured to facilitate use of the mobile device within a test environment; and wherein a production key stored on the secure element is replaced by the test key. In certain embodiments, one or more operations can be performed by one or more processors associated with a mobile device.
  • Additional systems, methods, apparatus, features, and aspects are realized through the techniques of various embodiments of the invention. Other embodiments and aspects of the invention are described in detail herein and are considered a part of the claimed invention. Other advantages and features can be understood with reference to the description and to the drawings.
  • BRIEF DESCRIPTION OF THE FIGURES
  • FIG. 1 illustrates a block diagram of an example key management system and associated integration, according to an example embodiment of the invention.
  • FIG. 2 illustrates a block diagram of an example key management integration and associated data flow, according to an example embodiment of the invention.
  • FIG. 3 illustrates a flow diagram of an example process for providing a test key to a mobile device, according to an example embodiment of the invention.
  • FIG. 4 illustrates a flow diagram of an example process for providing a test key to a mobile device via over the air provisioning, according to an example embodiment of the invention.
  • DETAILED DESCRIPTION
  • Various embodiments of the invention are directed to the provision of test keys to mobile devices. In other words, various embodiments of the invention are directed to the replacement of mobile device and/or secure element production keys with test keys that facilitate the use of the mobile devices within a test environment. In certain embodiments, a mobile device may be registered with or otherwise interact with a key management server (“KMS”) or key management service provider. During the registration, a production key associated with the mobile device or a secure element of the mobile device may be replaced with a test key. A wide variety of suitable methods may be utilized to facilitate the registration. For example, a registration request may be received by the KMS from the mobile device via a mobile or cellular communication. As another example, a registration request may be received by the KMS via one or more Web interfaces and/or Web servers associated with the KMS. As yet another example, the mobile device may be physically located near the KMS or near a kiosk associated with the KMS, and a registration request may be received via a contactless reader (e.g., a Near Field Communication (“NFC”) reader, etc.). As desired, a registration request may include identifying information for the mobile device and/or a secure element associated with the mobile device, as well as an identifier of a desired test environment. A wide variety of identifying information may be received as desired in various embodiments of the invention, such as card production life cycle (“CPLC”) information associated with the mobile device secure element.
  • Once a registration request (or other test key request) and identifying information have been received, the service provider may determine or generate a test key for the mobile device. As desired, a secure communications channel may be established with the mobile device secure element, and the secure element may be authenticated prior to determining the test key. A wide variety of suitable information may be utilized as desired to determine the test key. For example, in certain embodiments, at least a portion of the identifying information and a base level key, such as a master test key for a desired testing environment, may be utilized to generate the test key. In other words, a device specific test key may be generated or derived for the mobile device. Once generated, the test key may be provided to the mobile device for storage by the secure element. The test key may facilitate use of the mobile device within a desired testing environment, such as a development (“DEV”) testing environment, a quality assurance (“QA”) testing environment, and/or a client acceptance testing (“CAT”) or unit acceptance testing (“UAT”) environment. For example, the test key may allow the mobile device and/or the secure element to be authenticated by a testing environment server.
  • Additionally, in certain embodiments, the test key and/or the production key may be stored by the KMS and/or provided to one or more other parties. In this regard, the test key may be replaced by the production key at a subsequent point in time, thereby facilitating use of the mobile device and/or secure element within a commercial environment. Additionally, the test key and/or production key may be provided to a trusted service manager (“TSM”) associated with a commercial operating environment. In this regard, the TSM may identify test devices and limit the provision of commercial applications to the test devices and/or the ability of the test devices (i.e., devices having test keys) to be utilized for commercial purposes (e.g., commercial transactions, account provisioning, etc.). For example, the TSM may identify a test device by a test key and disallow commercial operations associated with the identified test device. As another example, the TSM may black list production keys that have been replaced by test keys, thereby limiting the use of the test devices outside of a testing environment. Although the KMS is described as being a separate entity from a TSM, in certain embodiments, at least a portion of the TSM functionality and the KSM functionality may be performed by a single entity. For example, the TSM may facilitate the rotation or replacement of production keys with test keys.
  • Various embodiments of the invention utilize trusted service management functionality, which may be implemented by a TSM or a KMS, to facilitate integration between multiple service providers and multiple mobile devices operating on any number of carrier networks, each operated by a different mobile network operator (“MNO”). In certain embodiments, a KMS and/or a TSM may be a third party entity strategically positioned to provide mobile device key management, mobile device application provisioning services, and integration functionality for provisioning mobile devices with various keys, applications, and/or associated end user data.
  • Embodiments of the invention now will be described more fully hereinafter with reference to the accompanying drawings, in which embodiments of the invention are shown. This invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art. Like numbers refer to like elements throughout.
  • FIG. 1 represents a block diagram of an example system 100 for providing test keys to mobile devices, according to one embodiment of the invention. As shown in FIG. 1, a key management server (“KMS”) computer 110; multiple mobile network operator (“MNO”) computers 140 a, 140 b; multiple mobile devices 150 a, 150 b; and multiple trusted service provider (“TSM”) computers 160 may be in communication via at least one network 170 and/or multiple carrier networks 180 a, 180 b, each of the carrier networks 180 a, 180 b being associated with a respective MNO computer 140 a, 140 b. Each of these components will now be discussed in further detail.
  • First, the KMS computer 110 may include any number of processor-driven devices, including but not limited to, a server computer, a mainframe computer, one or more networked computers, a desktop computer, a personal computer, a laptop computer, a mobile computer, or any other processor-based device. In addition to having one or more processors 116, the KMS computer 110 may further include one or more memory devices 112, input/output (“I/O”) interface(s) 118, and network interface(s) 119. The memory 112 may be any computer-readable medium, coupled to the processor(s) 116, such as RAM, ROM, and/or a removable storage device for storing data files and a database management system (“DBMS”) to facilitate management of data files and other data stored in the memory 112 and/or stored in one or more separate databases 138. The memory 112 may also store various program modules, such as an operating system (“OS”), a TSM interface 121, a mobile network operator interface 122, an over the air provisioning provider interface 123, a device registration interface 124, a secure element preparation module 126, and an over the air provisioning module 130. The OS may be, but is not limited to, Microsoft Windows®, Apple OSX™, Unix, a mainframe computer operating system (e.g., IBM z/OS, MVS, OS/390, etc.), or a specially designed operating system. Each of the interfaces and modules 121, 122, 123, 124, 126, 130 may comprise computer-executable program instructions or software, including a dedicated program, for receiving, storing, extracting, managing, processing, and analyzing communications associated with test key provisioning to mobile devices 150 a, 150 b via any number of suitable networks, such as networks 170 and/or carrier networks 180 a, 180 b. The specific functions and operability of each of these interfaces and modules 121, 122, 123, 124, 126, 130, are described in greater detail below.
  • Still referring to the KMS computer 110, the I/O interface(s) 118 may facilitate communication between the processor 116 and various I/O devices, such as a keyboard, mouse, printer, microphone, speaker, monitor, bar code reader/scanner, RFID reader, contactless reader, or Hardware Security Modules (“HSMs”) 139 which facilitate secure key management (e.g., test key management for a variety of testing environments, etc.) and the like. With respect to HSMs, an HSM 139 may be external, such as connected to the KMS computer 110 via a network, or internally or proximately connected to the KMS computer 110. The network interface(s) 119 may take any of a number of forms, such as, but not limited to, a network interface card, a modem, a wireless network card, a cellular network card, or any other means operable for facilitating communications with one or more carrier networks 180 a, 180 b and/or other networks 170. Indeed, the TSM computer 110 can communicate directly with mobile devices 150 a, 150 b via the carrier networks 180 a, 180 b, respectively, via network interface(s) 119 and/or via one or more of suitable Web servers 137, the mobile network operator gateway 134, the over the air services gateway 135, and the device registration gateway 136. It will be appreciated that the KMS computer 110 may be implemented on a particular machine, which may include a computer that is designed, customized, configured, or programmed to perform at least one or more functions of the interfaces and modules 121, 122, 123, 124, 126, 130, according to an example embodiment of the invention.
  • Second, the MNO computers 140 a, 140 b may include any number of processor-driven devices, including but not limited to, a server computer, a mainframe computer, one or more networked computers, a desktop computer, a personal computer, a laptop computer, a mobile computer, or any other processor-based device. In addition to having one or more processors 146 a, 146 b, each of the MNO computers 140 a, 140 b may further include one or more memory devices 142 a, 142 b, input/output (“I/O”) interface(s) 148 a, 148 b, and network interface(s) 149 a, 149 b. The memory 142 a, 142 b may be any computer-readable medium, coupled to the processor(s) 146, such as RAM, ROM, and/or a removable storage device for storing data files and a DBMS to facilitate management of data files and other data stored in the memory 142 a, 142 b and/or stored in one or more separate databases. The memory 142 a, 142 b may also store various program modules, such as an operating system (“OS”), a communications module 144 a, 144 b, and an authentication module 145 a, 145 b. The OS may be, but is not limited to, Microsoft Windows®, Apple OSX™, Unix, a mainframe computer operating system (e.g., IBM z/OS, MVS, OS/390, etc.), or a specially designed operating system. The communications module 144 a, 144 b may comprise computer-executable program instructions or software, including a dedicated program, for facilitating communications with multiple mobile devices 150 a, 150 b operating on the respective carrier networks 180 a, 180 b, and for facilitating mobile device application provisioning and management via a common MNO messaging standard as implemented by the TSM computer 110. The authentication module 145 a, 145 b may comprise computer-executable program instructions or software, including a dedicated program, for facilitating the authentication of mobile devices 150 a, 150 b and/or the establishment of secure communications channels with mobile devices 150 a, 150 b. A wide variety of authentication procedures may be utilized as desired by an authentication module 145 a, 145 b. In certain embodiments of the invention, an MNO computer 140 a, 140 b may authenticate a mobile device 150 a, 150 b in a similar manner as the TSM 110.
  • Still referring to each MNO computer 140 a, 140 b, the I/O interface(s) 148 a, 148 b may facilitate communication between the processors 146 a, 146 b and various I/O devices, such as a keyboard, mouse, printer, microphone, speaker, monitor, bar code reader/scanner, RFID reader, and the like. The network interface(s) 149 a, 149 b may take any of a number of forms, such as, but not limited to, a network interface card, a modem, a wireless network card, a cellular network card, or any other means operable for facilitating communications with one or more carrier networks 180 a, 180 b and/or other network 170. It will be appreciated that the MNO computers 140 a, 140 b may be implemented on a particular machine, which may include a computer that is designed, customized, configured, or programmed to perform at least one or more functions of the communications module 144 a, 144 b, according to an example embodiment of the invention.
  • Third, the mobile devices 150 a, 150 b may be any mobile processor-driven device, such as a mobile phone, radio, pager, laptop computer, handheld computer, PDA, and the like, or any other processor-based mobile device for facilitating communications over one or more carrier networks 180 a, 180 b and/or for facilitating communications within a testing environment. For example, each mobile device 150 a, 150 b may be registered with a specific MNO computer 140 a, 140 b for communicating via the respective carrier network 180 a, 180 b. As another example, a mobile device 150 a, 150 b may not be registered with a specific MNO; however, the mobile device 150 a, 150 b may be specifically configured for operation within a testing environment. In addition to having one or more processors 156 a, 156 b, each of the mobile devices 150 a, 150 b may further include one or more memory devices 152 a, 152 b, input/output (“I/O”) interface(s) 158 a, 158 b, and network interface(s) 159 a, 159 b. The memory 152 a, 152 b may be any computer-readable medium, coupled to the processor(s) 156, such as RAM, ROM, and/or a removable storage device for storing data files. The memory 152 a, 152 b may also include secure elements 155 a, 155 b for maintaining mobile device applications and confidential data, as may be provisioned via the TSM computer 110 and associated provisioning services. In certain embodiments, a secure element 155 a, 155 b may be configured to store a key information, such as test key information, as well as certain identification information for the mobile device and the secure element 155 a, 155 b (e.g., CPLC information, etc.). As desired, the secure element 155 a, 155 b may utilize at least a portion of this information to generate requests, such as provisioning requests and/or transaction requests within a testing environment. In this regard, a mobile device 150 a, 150 b and/or an associated secure element 155 a, 155 b may be authenticated within the testing environment. Additionally, in certain embodiments, a secure element 155 a, 155 b may store an authentication module or program utilized by a mobile device 150 a, 150 b to tag an/or encrypt communications output by the mobile device 150 a, 150 b and/or to decrypt communications received by the mobile device 150 a, 150 b.
  • The memory 152 a, 152 b may also store any number of data files 153 a, 153 b and/or various program modules, such as an operating system (“OS”), end user interface module(s), and a provisioning module 154 a, 154 b (also referred to interchangeably herein as “KMS and/or testing environment administration software”). The OS may be any mobile operating system, including proprietary operating systems by a mobile device manufacturer or mobile network operator, or third party software vendor mobile operating system, such as, but not limited to, Microsoft Windows CE®, Microsoft Windows Mobile®, Symbian OS™, Apple iPhone™ OS, RIM BlackBerry® OS, Palm OS® by ACCESS, or Google Android™. The provisioning module 154 a, 154 b may comprise computer-executable program instructions or software, including a dedicated program, for facilitating mobile device application provisioning on general memory and/or on the secure elements 155 a, 155 b as carried out by the KMS computer 110 and/or various testing environment devices that are accessed once a test key has been loaded. According to various embodiments, the secure elements 155 a, 155 b may refer to any computer-readable storage in the memory 152 and/or may refer to any securitized medium having memory, such as a Universal Integrated Circuit Card (“UICC”), Subscriber Identity Module (“SIM”), and the like. In one example, the secure elements 155 a, 155 b may be operable with a RFID device or other NFC device associated with the mobile devices 150 a, 150 b. It is also appreciated that the secure elements 155 a, 155 b may be a separate embedded secure element (e.g., smart card chip) or a separate element (e.g., removable memory card, a key fob; connected via Bluetooth, etc.). For example, a secure element chip may be embedded in a mobile device 150 a, 150 b separately from a general operation chip utilized by the mobile device 150 a, 150 b. In certain embodiments, the secure elements 155 a, 155 b may include any suitable hardware and/or software, such as memory, processing components, and communications components. In certain embodiments, the secure elements 155 a, 155 b may be configured to communicate with other elements of the mobile devices 150 a, 150 b, such as a general or shared memory chip associated with the mobile devices 150 a, 150 b. For example, a mobile wallet may be stored in shared memory, and a secure element 155 a, 155 b may be accessed to encrypt and/or decrypt transactions generated by and/or received by the mobile wallet.
  • Still referring to each mobile device 150 a, 150 b, the I/O interface(s) 158 a, 158 b may facilitate communication between the processors 156 a, 156 b and various I/O devices, such as a keypad, touch screen, keyboard, mouse, printer, microphone, speaker, screen display, RFID device, NFC device, and the like. The network interface(s) 159 a, 159 b may take any of a number of forms to permit wireless communications according to various communications standards, such as, but not limited to, Code Division Multiple Access (“CDMA”), Global System for Mobile Communication (“GSM”), Universal Wireless Communications (“UWC”), Universal Mobile Telecommunications System (“UMTS”), or General Packet Radio Service (“GPRS”) communication standards as may be implemented by one or more carrier networks 180 a, 180 b. The network interfaces(s) 159 a, 159 b may further permit access to other networks 170, such as via one or more carrier networks 180 a, 180 b providing Internet or other network access, or via Wi-Fi communications onto a Wi-Fi network. It will be appreciated that the mobile devices 150 a, 150 b may be implemented on a particular machine, which may include a computer that is designed, customized, configured, or programmed to perform at least one or more functions of the provisioning module 154 a, 154 b and other mobile communications, including voice communications, data communications, short message service (“SMS”), wireless application protocol (“WAP”), multimedia message service (“MMS”), Internet communications, other wireless communications, and the like, according to an example embodiment of the invention.
  • Fourth, the TSM computers 160 may include any number of processor-driven devices, including but not limited to, a server computer, a mainframe computer, one or more networked computers, a desktop computer, a personal computer, a laptop computer, a mobile computer, or any other processor-based device. A TSM computer 160 may be configured to facilitate integration between multiple service providers and multiple mobile devices for various commercial purposes. In certain embodiments, a TSM may be a third party entity strategically positioned to provide mobile device application provisioning services and integration functionality for provisioning mobile device applications and associated end user data (e.g., encryption data, key information, etc.) to end users' mobile devices, to provide mobile device application-related lifecycle management services, to manage the many-to-many relationships between the multiple service providers and the MNOs operating the carrier networks, and/or to authenticate mobile devices during the processing of a wide variety of different requests and/or transactions. Applications that can be provisioned on mobile devices via a TSM can be any software application provided by a service provider and operable with a mobile device. According to one embodiment, near field communication (“NFC”) applications that enable subsequent transactions using NFC technology of the mobile device (e.g., radio frequency identification (“RFID”)) are among those mobile device applications provided by service providers. However, as used herein, mobile device applications are not limited to NFC-based applications. Example mobile device applications may include, but are not limited to, open loop and closed loop payment applications (e.g., MasterCard® PayPass™, Visa payWave™, American Express® ExpressPay, Discover® ZIP, NXP Mifare®, etc.), transit payment applications, loyalty applications, membership applications, electronic promotion and incentive applications, ticketing applications, access control and security applications, entertainment applications, retail shopping applications, and the like.
  • According to an aspect of the invention, a TSM may be configured to operate in conjunction with mobile devices that utilize production keys rather than test keys. Accordingly, the TSM computer 160 may be configured to receive information associated with mobile devices on which test keys have been loaded. In this regard, the TSM computer 160 may identify test devices and limit or eliminate the operations of the test devices that may be performed in a commercial environment. For example, the TSM computer 160 may prevent the provisioning of financial account information and/or financial applications to the test devices.
  • In addition to having one or more processors 166, each of the TSM computers 160 may further include one or more memory devices 162, input/output (“I/O”) interface(s) 168, and network interface(s) 169. The memory 162 may be any computer-readable medium, coupled to the processor(s) 166, such as RAM, ROM, and/or a removable storage device for storing data files and a DBMS to facilitate management of data files and other data stored in the memory 162 and/or stored in one or more separate databases 175 (e.g., a database of key information and/or authentication information, etc.). The memory 162 may also store various program modules, such as an operating system (“OS”) and a key management module 164. The OS may be, but is not limited to, Microsoft Windows®, Apple OSX™, Unix, a mainframe computer operating system (e.g., IBM z/OS, MVS, OS/390, etc.), or a specially designed operating system. The key management module 164 may comprise computer-executable program instructions or software, including a dedicated program, for managing keys, authenticating mobile devices, and/or identifying test devices that are not suitable for operation within a commercial environment.
  • Still referring to each TSM computer 160 the I/O interface(s) 168 may facilitate communication between the processors 166 and various I/O devices, such as a keyboard, mouse, printer, microphone, speaker, monitor, bar code reader/scanner, RFID reader, and the like. The network interface(s) 169 may take any of a number of forms, such as, but not limited to, a network interface card, a modem, a wireless network card, a cellular network card, or any other means operable for facilitating communications with the network 170. It will be appreciated that the TSM computer 160 may be implemented on a particular machine, which may include a computer that is designed, customized, configured, or programmed to perform at least one or more functions of the key management module 164 and/or other TSM functions as described above, according to an example embodiment of the invention. Additionally, in certain embodiments, the TSM computer 160 may be combined with the KSM computer 110. In other words, a single server may be provided that facilitates management and/or provisioning of both test devices and commercial devices (e.g., mobile devices having production keys, etc.).
  • The network 170 may include any telecommunication and/or data network, whether public, private, or a combination thereof, including a local area network, a wide area network, an intranet, an internet, the Internet, intermediate handheld data transfer devices, a publicly switched telephone network (“PSTN”), a cellular network, and/or any combination thereof and may be wired and/or wireless. The network 170 may also allow for real time, near real time, off-line, and/or batch transactions to be transmitted between or among the KMS computer 110, the MNO computer(s) 140 a, 140 b, the mobile devices 150 a, 150 b, and the TSM computers 160. Due to network connectivity, various methodologies as described herein may be practiced in the context of distributed computing environments. It will also be appreciated that the network 170 may include a plurality of networks, each with devices such as gateways and routers for providing connectivity between or among networks 170. Instead of, or in addition to, a network 170, dedicated communication links may be used to connect the various devices in accordance with an example embodiment.
  • The mobile carrier networks 180 a, 180 b may include any cellular telecommunication network, each operated by a respective mobile network operator. The mobile carrier networks may be implemented to operate according to one or more wireless technology formats, including, but not limited to, CDMA, GSM, UWC, UMTS, GPRS, and/or any “generation” or version thereof. Accordingly, in one embodiment, each mobile device 150 a, 150 b is configured to operate primarily on a certain carrier network 180 a, 180 b as operated by the mobile network operator with which the mobile device end user has an agreement and with which the mobile device is registered. It is appreciated, however, that, according to various embodiments, mobile devices 150 a, 150 b and carrier networks 180 a, 180 b may be configured to permit interoperability of mobile devices on non-registered carrier networks 180 a, 180 b.
  • Generally, each of the memories and data storage devices, such as the memories 112, 142 a, 142 b, 152 a, 152 b, 162 and the databases 138, 175 and/or any other memory and data storage device, can store data and information for subsequent retrieval. In this manner, the system 100 can store various received or collected information in memory or a database associated with one or more of the KMS computer(s) 110, the MNO computer(s) 140 a, 140 b, the mobile devices 150 a, 150 b, and/or the TSM computer(s) 160. The memories and databases can be in communication with each other and/or other databases, such as a centralized database, or other types of data storage devices. When needed, data or information stored in a memory or a database may be transmitted to a centralized database capable of receiving data, information, or data records from more than one database or other data storage devices. In other embodiments, the databases shown can be integrated or distributed into any number of databases or other data storage devices.
  • Suitable processors, such as the processors 116, 146 a, 146 b, 156 a, 156 b, 166, may comprise a microprocessor, an application-specific integrated circuit (“ASIC”), and/or state machine. Example processors can be those provided by Intel Corporation (Santa Clara, Calif.), AMD Corporation (Sunnyvale, Calif.), and Motorola Corporation (Schaumburg, Ill.). According to various embodiments, one or more of the computers can be configured as a multi-processor computer having multiple processors 116, 146 a, 146 b, 156 a, 156 b, 166 providing parallel and/or redundant processing capabilities. Such processors comprise, or may be in communication with, media, for example, computer-readable media, which stores instructions that, when executed by the processor, cause the processor to perform the elements described herein. Embodiments of computer-readable media include, but are not limited to, an electronic, optical, magnetic, or other storage or transmission device capable of providing a processor with computer-readable instructions. Other examples of suitable media include, but are not limited to, a floppy disk, pen drive, CD-ROM, DVD, magnetic disk, memory chip, ROM, RAM, EPROM, EEPROM, a configured processor, all optical media, all magnetic tape or other magnetic media, or any other medium from which a computer processor can read instructions. Also, various other forms of computer-readable media may transmit or carry instructions to a computer, including a router, gateway, private or public network, or other transmission device or channel, both wired and wireless. The instructions may comprise code from any computer-programming language, including but not limited to, assembly, C, C++, C#, Visual Basic, Java, Python, Perl, JavaScript, GPSS, LISP, SAS, Parlay, JAIN, or Open Mobile Architecture.
  • The system 100 shown in and described with respect to FIG. 1 is provided by way of example only. Numerous other operating environments, system architectures, and device configurations are possible. Other system embodiments can include fewer or greater numbers of components and may incorporate some or all of the functionality described with respect to the system components shown in FIG. 1. For example, a respective KMS may be provided for each of a plurality of testing environments. In addition, the designation of system components by “a” and “b” is not intended to limit the number of possible components, but instead are provided for illustrative purposes to indicate that more than one of the respective components can be provided. Accordingly, embodiments of the invention should not be construed as being limited to any particular operating environment, system architecture, or device configuration.
  • FIG. 2 illustrates an example block diagram 200 illustrating data flow and integration points between the KMS computer 110 and the various other entities that may participate in mobile device test key rotation, such as multiple MNO computers 140, and multiple mobile devices 150, according to one embodiment of the invention. An example operation of the block diagram 200 of FIG. 2 will be described separately and in conjunction with the flow diagrams of FIGS. 3-4.
  • As generally described above, a KMS and associated KMS computer 110 may be operable to provide test keys to mobile devices and/or mobile device secure elements. These test keys allow the mobile devices to be utilized within various testing environments, such as a DEV environment, a QA environment, or a CAT or UAT environment. In certain embodiments, the KMS computer 110 may additionally be operable to load, delete, and manage mobile device applications and associated end user data on test mobile devices on behalf of various testing entities. In other embodiments, one or more servers associated with testing entities may be configured to provide application management functionality. Additionally, the KMS computer 110 and/or separate testing entity servers may be operable to facilitate the authentication of test mobile devices. According to various embodiments, the KMS computer 110 may be operable to provide, but is not limited to, one or more of the following functions: to act as a single point of integration between testing service providers, MNOs, and other TSMs; to load key information and/or mobile device applications over the air to mobile devices; to accept, prepare and personalize mobile device application end user data; to enable other entities to authenticate mobile devices and/or end users; to manage secured keys (e.g., cryptographic keys, master keys, rotated keys, test keys, etc.) used for testing application provisioning, personalization, and/or authentication of mobile devices; to manage mobile device application lifecycles on behalf of service providers over the life of an application; to manage mobile device lifecycles on behalf of MNOs over the life of a handset; and to provide billing and other administration functions to support relationships between MNOs and service providers, and between the KMS and each MNO and service provider.
  • Various services provided by the KMS computer 110 can be implemented by one or more of the secure element preparation module 126 and/or the over the air provisioning module 130. The secure element preparation module 126 may be configured to facilitate preparing mobile device secure elements, such as requesting increased space allocated on the secure element for provisioning applications and verifying secure element properties with the MNO. According to various embodiments, the secure element preparation module 126 may further be configured to receive and/or provide personalization data associated with mobile device applications for each end user during provisioning. In one example, the KMS computer 110 may generate or identify a test key to be provided to a mobile device secure element, and the KMS computer 110 may coordinate the provisioning of the test key to the secure element. As desired, a wide variety of suitable techniques may be utilized to facilitate the provisioning of the test key to a mobile device, such as over the air provisioning via a carrier network, Web-based communications (e.g., communications managed by one or more Web servers 137, and/or contactless provisioning (e.g., radio frequency provisioning, NFC provisioning, etc.) on mobile devices that are situated in relatively close proximity to the KMS computer 110.
  • The over the air provisioning module 130 may be configured to facilitate the OTA provisioning of mobile device applications and associated end user data with multiple mobile devices. As described in more detail herein, the OTA provisioning module 130 may facilitate communications with third party OTA provisioning providers via the OTA services gateway 135, and/or can facilitate direct provisioning by the KMS computer 110. It is appreciated that, according to some embodiments, the functions of the OTA provisioning module 130 may also be implemented in one or more of the MNO computers 140 and/or within functions implemented by the carrier networks 180 a, 180 b, either instead of, or in combination with, those provided in the TSM computer via the OTA provisioning module 130.
  • In certain embodiments, an authentication module may be provided and configured to provide administration and maintenance functions for secured keys (e.g., test keys, production keys, etc.) in accordance with KMS security policies, MNO security policies, test environment security policies, and/or TSM security policies. Various functions performed by the KMS computer 110 may integrate with the authentication module to provide security for end users, MNOs, test environment devices, and TSMs. According to an aspect of the invention, the authentication module may be configured to format key information, such as test key or rotated test key information, for communication to a mobile device and/or provisioning or storage on a secure element associated with the mobile device. In this regard, the mobile device may be authenticated during subsequent requests within a testing environment or a TSM environment.
  • In certain embodiments, the MNOs and associated MNO computers 140 may be operable to provide the communications channel to reach and provision test key information and/or various mobile device applications and associated end user data on end users' mobile devices. According to various embodiments, each MNO computer 140 may be operable to provide, but is not limited to, one or more of the following functions: provide the TSM computer with information on mobile device secure elements and unique mobile device identity modules (e.g., Universal Subscriber Identity Modules (“USIMs”)) throughout the lifecycle; provide a communications gateway via a respective carrier network for OTA provisioning of mobile device applications; provide a mobile device user interface for accessing provisioned mobile device applications on each mobile device (e.g., a mobile wallet); facilitate management of secured keys used to securely load and delete mobile device applications on mobile device secure elements; interface with the KMS computer; facilitate authentication of the end user interfacing with the KMS; facilitate allocating memory for mobile device applications on the end users' mobile devices; communicate to the KMS computer that unique end user identity modules have changed; communicate to the KMS computer the status of unique mobile device identity modules (e.g., which USIMs have been lost, stolen, damaged, replaced by new mobile devices, etc.); and facilitate management of any tariffs and fees associated with application provisioning communications.
  • An MNO gateway 134 and associated MNO interface 122 are operable for providing a common point of integration between the TSM computer 110 and the multiple MNO computers 140. According to one embodiment, the MNO interface 122 is configured to communicate with each MNO according to the same common MNO message standard, as described further herein. Moreover, according to various embodiments, the MNO gateway 134 and associated MNO interface 122 are further operable to permit the TSM computer 110 to communicate with mobile devices 150 via a respective carrier network operated by each MNO.
  • The TSMs and associated TSM computers 160 are operable to provide one or more provisioning services, authentication services, key management services, and/or integration services to mobile devices that are utilized within commercial non-test environments. In accordance with an aspect of the invention, the TSM computers 160 may receive information associated with test devices (e.g., device identifiers, secure element identifiers, test keys, production keys, etc.), and the TSM computers 160 may limit commercial functionality provided for the test devices. In this regard, the use of the test devices may be limited to suitable test environments. A TSM gateway 133 and associated TSM interface 121 are operable for providing a common point of integration between the KMS computer 110 and the multiple TSMs 160.
  • The mobile devices 150 represent the respective end users that are utilized and/or will be utilized in test environments. In certain embodiments, a test mobile device 150 may have a contractual relationship with an MNOs (e.g., for operating on a respective carrier network). According to various embodiments, each mobile device 150 may be operable to provide, but is not limited to, one or more of the following functions: activate mobile devices and/or secure elements with an MNO and/or test environment; register for and request test keys and/or mobile device applications for use in a test environment; download mobile device applications and associated end user data on mobile device secure elements; authenticate the respective end user and/or mobile device within a test environment; and/or perform transactions within a test environment using the provisioned mobile device applications (e.g., a payment transaction at a retailer, etc.).
  • An OTA services gateway 135 and associated OTA services interface 123 are operable to facilitate provisioning of key information and/or mobile device applications and associated end user data to mobile devices 150. According to one embodiment, the OTA services gateway 135 may be configured to permit the KSM computer 110 to transact with third party OTA provisioning providers to perform all or some of the OTA provisioning services with mobile devices 150, such as by utilizing a common provisioning messaging standard for all third party OTA provisioning providers in a manner similar to that described with reference to the MNO interface 122. According to another embodiment, the OTA services gateway 135 may be configured to permit the KMS computer 110 to provision mobile device applications and associated end user data directly to the mobile devices 150, such as via one or more carrier networks. According to various embodiments, the MNO gateway 134 and associated MNO interface 122 may be utilized at least in part to provide OTA provisioning by the TSM computer 110, such as for accessing and communicating over a respective MNO carrier network.
  • A device registration gateway 136 and associated device registration interface 124 are operable to facilitate communications with mobile devices for registering to receive test keys and/or mobile device applications, and the like. In certain embodiments, MNO computers 140 and/or other service providers may provide registration applications for mobile devices (e.g., mobile device-based registration interface, Internet-based registration interface, etc.). Thus, the device registration gateway 136 and associated device registration interface 124 may provide a common integration point and associated common messaging standard for receiving and responding to such requests. According to another embodiment, the KMS computer 110 may be configured to provide similar registration services to mobile devices, such as may be performed on behalf of the MNOs and/or other service provider.
  • According to an aspect of the invention, methods for providing test keys to mobile devices may be provided. In certain embodiments, a test key may be generated for a mobile device that facilitates use of the mobile device within a testing environment. For example, a test key may be generated during the registration of a mobile device with a KMS computer 110, and a production key for a mobile device secure element may be replaced with a test key. Although the provision of test keys is described for mobile devices, the provision of test keys may be performed for a wide variety of other devices, such as tablet computers and/or other devices that may not be capable of communications via a carrier network. FIG. 3 illustrates a flow diagram of an example method 300 for providing a test key to a mobile device, according to an example embodiment of the invention. The method 300 may be performed by a suitable key management system, such as the system 100 illustrated in FIG. 1. The method 300 may begin at block 305.
  • At block 305, registration request may be received for a mobile device, such as one of the mobile devices 150 illustrated in FIG. 1. For example, a registration request to activate the mobile device for use within a testing environment may be received. The request may be received utilizing a wide variety of suitable communication techniques. For example, the request may be received via an MNO and/or carrier network. As another example, the request may be received via a suitable Web interface and/or Web server associated with the KMS computer 110. As yet another example, the request may be received based upon a positioning of a mobile device 150 in proximity to a contactless reader/writer device or other suitable device, such as a kiosk or other reader/or writer device, that facilitates the provision of a test key to the mobile device 150. In yet other embodiments, a registration request may not be received, and the provision of a test key may be initiated by the KMS computer 110. As desired, a wide variety of information may be received from the mobile device 150 during a registration request and/or in association with the provisioning of a test key to the mobile device 150. Examples of suitable information that may be received include, but are not limited to, an identification information for the mobile device 150, identification information for a secure element associated with the mobile device 150 (e.g., card production life cycle (“CPLC”) information and/or other identifying information associated with a secure element (e.g., the ICCID, IMSI, etc.)), information associated with a production key associated with the mobile device 150, and/or an identifier of a desired testing environment (e.g., a DEV environment, a QA environment, or a CAT or UAT environment).
  • At block 310, a desired testing environment for the mobile device 150 may be identified. For example, information received from the mobile device 150 may be evaluated in order to determine or identify a desired testing environment. As another example, input received from other entities (e.g., a testing service provider) and/or via one or more I/O devices (e.g., a keyboard, mouse, etc.) may be evaluated in order to identify a desired testing environment. For example, a testing environment indication may be entered into a kiosk associated with the KMS computer 110, directly entered into the KMS computer 110 by a user, and/or received via a Web server from a service provider conducting testing on the mobile device 150.
  • At block 315, a test key may be generated, determined, or derived for the mobile device 150 and/or the secure element. In certain embodiments, a base level key, such as a master key determined by a testing service provider or a mobile device manufacturer, may be utilized to generate or derive the rotated key. Additionally, a wide variety of suitable rotation techniques (e.g., a key schedule, etc.) and/or other methods or derivation techniques may be utilized as desired to derive a test key. For example, additional information may be combined with the base level key during a derivation of a test key. In certain embodiments, at least a portion of the received identifying information, such as CPLC information and/or an identifier of the secure element, may be utilized in conjunction with the base level key to derive a test key. For example, an identifier of the secure element may be combined (e.g., added, multiplied, etc.) with the base level key to derive a test key for the mobile device 150. In other embodiments, test keys may be specified by a testing entity for provision to mobile devices 150 and a next available test key may be selected. Indeed, a wide variety of suitable methods and/or techniques may be utilized to identify a suitable test key. As desired, the test keys that are utilized for a testing environment may be unique to the testing environment and/or determined based upon an identification of the testing environment.
  • Additionally, in certain embodiments of the invention, identifying information for the mobile device 150 may be modified or updated by the KMS computer 110. For example, received CPLC information may be modified or updated by the KMS computer 110. A wide variety of different aspects of CPLC information and/or identifying information may be updated as desired in various embodiments, such as date information, version information, key version information, etc. In certain embodiments, the updated identifying information may be utilized in the derivation of a rotated key.
  • At block 315, the generated or derived test key and/or any updated identifying information may be provided by the KMS computer 110 to the mobile device 150. For example, the test key and/or identifying information may be provisioned or otherwise provided to a secure element of the mobile device 150. According to an aspect of the invention, a production key or manufacturer provided key associated with the secure element may be replaced with the test key. In this regard, the test key may be utilized by the mobile device 150 to facilitate identification and/or authentication of the mobile device 150 within a designated testing environment, as well as for the encryption and/or decryption of communications within the testing environment.
  • At block 320, the KMS computer 110 may store or direct the storage of the generated test key, the production key that was originally stored on the mobile device 150, and/or identifying information for the mobile device 150 and/or secure element in one or more suitable memory devices, such as the databases 138 illustrated in FIG. 1. In this regard, the KMS computer 110 and/or various testing environment servers may access the information to facilitate an authentication of the mobile device 150 at a subsequent point in time, such as during the processing of testing environment requests. Additionally, the KMS computer 110 may access the information to facilitate a replacement of the test key on a mobile device 150 with the original production key that was previously removed from the secure element.
  • At block 330, which may be optional in certain embodiments of the invention, information associated with the test key provision may be provided to a wide variety of other entities, such as a testing environment server and/or to a TSM. A wide variety of information may be provided as desired in various embodiments of the invention, such as identification information for the mobile device 150 and/or the secure element, test key information, and/or information associated with the product keys. A testing environment server may utilize the received information to facilitate the authentication of the mobile device 150 within the testing environment and/or to facilitate the provisioning of various applications to the mobile device 150 and the processing of various transactions associated with the mobile device 150. A TSM may utilize the received information to facilitate the identification and/or blacklisting of test devices. In this regard, a TSM that is utilized in a commercial environment may limit and/or prohibit the functionality of test devices within the commercial environment. Additionally, the TSM may identify and/or address various security breaches within a commercial environment. For example, the TSM may prevent a security breach resulting from an attempted fraudulent loading of a production key originally associated with a test device onto another device.
  • The method 300 may end following block 330.
  • FIG. 4 illustrates a flow diagram of an example method 400 for providing a test key to a mobile device via over the air provisioning, according to an example embodiment of the invention. The method 400 may be one example of the operations that may be performed to facilitate the method 300 of FIG. 3. It will be appreciated that other methods and/or techniques other than OTA provisioning, such as Web-based techniques and/or contactless reader communications, may be utilized to facilitate the provision of test keys to mobile devices. The method 400 may be performed by a suitable key management system, such as the system 100 illustrated in FIG. 1. The method 400 may begin at block 402.
  • At block 402 a user may activate a mobile device, such as one of the mobile devices 150 illustrated in FIG. 1. In certain embodiments, the activation of the mobile device 150 may be an initial activation of the mobile device 150. Based upon an activation of the mobile device 150, the mobile device 150 may attempt to facilitate a registration with the MNO computer 140 and/or a KMS computer, such as the KMS computer 110 illustrated in FIG. 1. As an alternative to an activation of the mobile device 150 to initiate the request of a test key, a mobile device 150 may be situated in close proximity to the KMS computer 110 or associated key rotation device, and the KMS computer 110 may initiate the key rotation. As yet another alternative, a user command may be received by the mobile device 150, and a key rotation may be requested based at least in part upon receipt of the user command.
  • In certain embodiments, once the mobile device 150 has been activated and/or once a user has logged into the mobile device 150 and request a key rotation, a suitable authentication notification may be sent to the MNO computer 140. The MNO computer 140 may validate the mobile device 150, and an authentication token may be returned to the mobile device 150. The authentication token may be utilized to form a relatively secure communications channel between the mobile device 150 and the MNO computer 140.
  • At block 404, a registration request or key rotation request may be generated by the mobile device 150, and the generated request may be output for communication to the MNO computer 140. As desired, the request may include an identifier of a desired testing environment in which the mobile device 150 will be utilized. The request may be received and processed by the MNO computer 140 at block 406. In response to the request, a request identifier may be output by the MNO computer 140 at block 408 for communication to the mobile device 150. As desired, an instruction for the mobile device 150 to contact the KMS computer 110 for key rotation purposes utilizing the request identifier may also be communicated to the mobile device 150. In certain embodiments, contact information for the KMS computer 110 may also be communicated to the mobile device 150.
  • The request identifier and/or associated information may be received by the mobile device 150 at block 410. At block 412, a test registration request may be generated by the mobile device 150 and output for communication to the KMS computer 110. In certain embodiments, the request identifier may be utilized to generate the test registration request and/or direct the transmission of the test registration request to the KMS computer 110. The test registration request may be received and processed by the KMS computer 110 at block 414. As desired in various embodiments, any number of suitable networks and/or communications techniques may be utilized to facilitate the communication of the request to the KMS computer 110. For example, the request may be communicated via a suitable carrier network, such as one of the carrier networks 180 illustrated in FIG. 1. In certain embodiments, the request may be communicated directly to the KMS computer 110. In other embodiments, the request may be communicated through any number of intermediary systems and/or devices, such as an MNO computer 140. During the processing of the test registration request, the KMS computer 110 may request an OTA proxy associated with the mobile device 150 be woken up or activated. For example, a request for OTA proxy activation may be sent to the MNO computer 140 at block 416. In certain embodiments, the MNO computer 140 may be requested to wake up an OTA proxy that is stored on a general or shared memory or general operation chip associated with the mobile device 150. The MNO computer 140 may receive the request at block 418 and push or otherwise communicate a request to wake up the OTA proxy to the mobile device 150.
  • At block 420, the OTA proxy wake up request may be received by the mobile device 150. The OTA proxy associated with the mobile device 150 may be activated and/or woken up, and an OTA proxy message associated with the registration of the mobile device 150 may be communicated by the mobile device 150 to the KMS computer 110 at block 422. The OTA proxy registration message may be received by the KMS computer 110 at block 424. In certain embodiments, a secure communications channel may be established between the KMS computer 110 and the mobile device 150 (or the mobile device secure element). As desired, a wide variety of suitable techniques may be utilized to authenticate a secure communications channel. For example, a registration identifier received from the mobile device 150 and a registration identifier received from the MNO computer 140 may be compared to facilitate the authentication of a secure communications channel. As another example, one or more Application Protocol Data Unit (“APDU”) commands may be utilized to facilitate the authentication of a secure communications channel. As yet another example, any number of suitable handshake procedures may be utilized to facilitate the authentication and/or the establishment of a secure communications channel.
  • At block 426, identifying information for the mobile device 150 and/or a mobile device secure element may be requested by the KMS computer 110. For example, the mobile device 150 may be requested to communicate identifying information to the KMS computer 110 via the secure communications channel. A wide variety of different types of identifying information may be requested as desired in various embodiments of the invention, including but not limited to, an identifier of a desired testing environment, an identifier of the secure element, CPLC information for the secure element, production key information stored on the secure element, and/or an identifier of production key information (e.g., a numerical identifier of a production key stored within a list of production keys, etc.).
  • At block 428, the request for identifying information may be received by the mobile device 150 via the secure communications channel, and the requested information may be returned to the KMS computer 110 by the mobile device 150 at block 430. At block 432, the KMS computer 110 may receive and process the requested identifying information. In certain embodiments of the invention, the KMS computer 110 may determine at block 434 whether the secure element may be authenticated. For example, at least a portion of the received identifying information may be compared to expected identifying information, and a determination may be made as to whether the secure element and/or the mobile device 150 is valid based at least in part upon the comparison. In one example embodiment, received CPLC information may be compared to stored CPLC information, such as CPLC information previously received from a device manufacturer or other third party data source. If it is determined at block 434 that the secure element is not authenticated, then operations may continue at block 436, and the mobile device 150 may be marked as an invalid mobile device, and the key rotation process may end. As desired, a registration error message may be communicated by the KMS computer 110 to the mobile device 150 for display or other presentation to a user. The error message may be received and processed by the mobile device 150 at block 438, and operations may end following block 438.
  • If, however, it is determined at block 434, that the secure element is authenticated and/or that the mobile device 150 is valid, then operations may continue at block 440. At block 440, a test key may be generated or derived for the mobile device 150 and/or the secure element. A wide variety of suitable methods and/or techniques may be utilized as desired to generate or derive a test key. For example, a desired testing environment may be identified, and a next available test key for the desired testing environment may be accessed from memory and/or obtained from a device associated with the testing environment. As another example, a base level key associated with the testing environment, such as a master key, may be utilized to generate or derive a test key for the testing environment. For example, a wide variety of suitable rotation techniques (e.g., a key schedule, etc.) and/or other methods or derivation techniques may be utilized as desired to derive a test key from the master key. As desired, additional information may be combined with the base level key during a derivation of a test key. For example, at least a portion of the received identifying information, such as CPLC information and/or an identifier of the secure element, may be utilized in conjunction with the base level key to derive a test key for the mobile device 150.
  • Additionally, in certain embodiments of the invention, identifying information for the mobile device 150 may be modified or updated by the KMS computer 110 at block 440. For example, received CPLC information may be modified or updated by the KMS computer 110. A wide variety of different aspects of CPLC information and/or identifying information may be updated as desired in various embodiments, such as date information, version information, key version information, etc. In certain embodiments, the updated identifying information may be utilized in the derivation of a test key.
  • At block 442, the generated or derived test key and/or any updated identifying information may be communicated or transmitted by the KMS computer 110 to the mobile device 150. For example, the test key and/or identifying information may be provisioned or otherwise provided to a secure element of the mobile device 150 via the OTA proxy. The mobile device 150 may receive and store the test key and/or identifying information at block 444. For example, the test key and/or identifying information may be stored on the secure element, and the production key may be replaced on the secure element. In this regard, the test key may be utilized by the mobile device 150 and/or the secure element to facilitate identification of the mobile device 150 within the testing environment and/or the encrypt and/or decryption of communications within the testing environment.
  • At block 446, the test key, information utilized to derive the test key, received identifying information, updated identifying information, the production key, and/or information utilized to identify the production key may be stored by the KMS computer 110 in one or more suitable memory devices, such as the databases 138 illustrated in FIG. 1. In this regard, the stored information may be subsequently accessed to facilitate authentication of the mobile device 150 by the KMS computer 110 and, as desired, replacement of the test key with the production key. Additionally or alternatively, in certain embodiments, at least a portion of the information may be communicated by the KMS computer 110 to one or more TSMs 160, such as a TSM that facilitates authentication and/or integration of mobile devices within a commercial environment. In this regard, the TSM may facilitate subsequent identification of and/or blacklisting of the test mobile device 150 within a commercial environment. Additionally, the TSM may facilitate the identification of potential security risks based upon an attempted use of the production key associated with the test mobile device 150 within a commercial environment. The communicated information may be received and stored by the TSMs at block 448.
  • The method 400 may end following either block 438 or block 448.
  • The operations described and shown in the methods 300 and 400 of FIGS. 3-4 may be carried out or performed in any suitable order as desired in various embodiments of the invention. Additionally, in certain embodiments, at least a portion of the operations may be carried out in parallel. Furthermore, in certain embodiments, less than or more than the operations described in FIGS. 3-4 may be performed.
  • The invention is described above with reference to block and flow diagrams of systems, methods, apparatuses, and/or computer program products according to example embodiments of the invention. It will be understood that one or more blocks of the block diagrams and flow diagrams, and combinations of blocks in the block diagrams and the flow diagrams, respectively, can be implemented by computer-executable program instructions. Likewise, some blocks of the block diagrams and flow diagrams may not necessarily need to be performed in the order presented, or may not necessarily need to be performed at all, according to some embodiments of the invention.
  • Various block and/or flow diagrams of systems, methods, apparatus, and/or computer program products according to example embodiments of the invention are described above. It will be understood that one or more blocks of the block diagrams and flow diagrams, and combinations of blocks in the block diagrams and flow diagrams, respectively, can be implemented by computer-executable program instructions. Likewise, some blocks of the block diagrams and flow diagrams may not necessarily need to be performed in the order presented, or may not necessarily need to be performed at all, according to some embodiments of the invention.
  • These computer-executable program instructions may be loaded onto a special purpose computer or other particular machine, a processor, or other programmable data processing apparatus to produce a particular machine, such that the instructions that execute on the computer, processor, or other programmable data processing apparatus create means for implementing one or more functions specified in the flow diagram block or blocks. These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means that implement one or more functions specified in the flow diagram block or blocks. As an example, embodiments of the invention may provide for a computer program product, comprising a computer-usable medium having a computer-readable program code or program instructions embodied therein, said computer-readable program code adapted to be executed to implement one or more functions specified in the flow diagram block or blocks. The computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational elements or steps to be performed on the computer or other programmable apparatus to produce a computer-implemented process such that the instructions that execute on the computer or other programmable apparatus provide elements or steps for implementing the functions specified in the flow diagram block or blocks.
  • Accordingly, blocks of the block diagrams and flow diagrams support combinations of means for performing the specified functions, combinations of elements or steps for performing the specified functions and program instruction means for performing the specified functions. It will also be understood that each block of the block diagrams and flow diagrams, and combinations of blocks in the block diagrams and flow diagrams, can be implemented by special purpose, hardware-based computer systems that perform the specified functions, elements or steps, or combinations of special purpose hardware and computer instructions.
  • Many modifications and other embodiments of the invention set forth herein will be apparent having the benefit of the teachings presented in the foregoing descriptions and the associated drawings. Therefore, it is to be understood that the invention is not to be limited to the specific embodiments disclosed and that modifications and other embodiments are intended to be included within the scope of the appended claims. Although specific terms are employed herein, they are used in a generic and descriptive sense only and not for purposes of limitation.

Claims (20)

1. A computer-implemented method for providing test keys to mobile devices, the method comprising:
receiving identifying information for a mobile device or a secure element associated with the mobile device;
determining a test key to be provided to the mobile device, the test key configured to facilitate the use of the mobile device within a test environment; and
providing the determined test key to the mobile device;
wherein a production key stored on the secure element is replaced by the test key, and
wherein the above operations are performed by one or more computers associated with a key management service provider.
2. The computer-implemented method of claim 1, further comprising:
identifying the test environment in which the mobile device will be utilized; and
determining the test key based at least in part upon the identified test environment.
3. The computer-implemented method of claim 2, wherein identifying the test environment comprises identifying one of a development test environment, a quality assurance test environment, a client acceptance testing test environment, or a unit acceptance testing test environment.
4. The computer-implemented method of claim 1, wherein receiving identifying information for a mobile device comprises receiving identifying information via one of (i) a wide area network, (ii) a mobile carrier network, or (iii) a locally connected device.
5. The computer-implemented method of claim 1, wherein determining a test key comprises deriving a test key based at least in part upon the identifying information for the mobile device.
6. The computer-implemented method of claim 1, further comprising:
storing information associated with the production key to facilitate a subsequent replacement of the test key with the stored production key.
7. The computer-implemented method of claim 1, further comprising:
providing information associated with at least one of the test key or the production key to a trusted service manager in order to limit the utilization of the mobile device within a commercial environment.
8. A system for providing test keys to mobile devices, the system comprising:
at least one memory configured to store computer-executable instructions; and
at least one processor configured to access the at least one memory and execute the computer-executable instructions to:
receive identifying information for a mobile device or a secure element associated with the mobile device;
determine a test key to be provided to the mobile device, the test key configured to facilitate the use of the mobile device within a test environment; and
provide the determined test key to the mobile device;
wherein a production key stored on the secure element is replaced by the test key, and
wherein the above operations are performed by one or more computers associated with a key management service provider.
9. The system of claim 8, wherein the at least one processor is further configured to execute the computer-executable instructions to:
identify the test environment in which the mobile device will be utilized; and
determine the test key based at least in part upon the identified test environment.
10. The system of claim 9, wherein the computer-executable instructions to identify the test environment comprise instructions to identify one of a development test environment, a quality assurance test environment, a client acceptance testing test environment, or a unit acceptance testing test environment.
11. The system of claim 8, wherein the computer-executable instructions to receive identifying information for a mobile device comprise instructions to receive identifying information via one of (i) a wide area network, (ii) a mobile carrier network, or (iii) a locally connected device.
12. The system of claim 8, wherein the computer-executable instructions to determine a test key comprise instructions to derive a test key based at least in part upon the identifying information for the mobile device.
13. The system of claim 8, wherein the at least one processor is further configured to execute the computer-executable instructions to:
store information associated with the production key to facilitate a subsequent replacement of the test key with the stored production key.
14. The system of claim 8, wherein the at least one processor is further configured to execute the computer-executable instructions to:
provide information associated with at least one of the test key or the production key to a trusted service manager in order to limit the utilization of the mobile device within a commercial environment.
15. A computer-implemented method for providing test keys to mobile devices, the method comprising:
transmitting identifying information from a mobile device or a secure element associated with the mobile device;
receiving a test key at the mobile device, wherein the test key is configured to facilitate use of the mobile device within a test environment;
wherein a production key stored on the secure element is replaced by the test key, and
wherein the above operations are performed by one or more computer processors associated with the mobile device.
16. The computer-implemented method of claim 15, wherein the test key is based at least in part on the test environment previously identified for the mobile device.
17. The computer-implemented method of claim 15, wherein transmitting identifying information from a mobile device comprises transmitting identifying information via one of (i) a wide area network, (ii) a mobile carrier network, or (iii) a locally connected device.
18. The computer-implemented method of claim 15, wherein receiving a test key comprises receiving a test key based at least in part upon the identifying information from the mobile device.
19. The computer-implemented method of claim 15, further comprising:
storing information associated with the production key to facilitate a subsequent replacement of the test key with the stored production key.
20. The computer-implemented method of claim 15, further comprising:
transmitting information associated with at least one of the test key or the production key to a trusted service manager in order to limit the utilization of the mobile device within a commercial environment.
US13/481,346 2011-05-26 2012-05-25 Systems and Methods for Providing Test Keys to Mobile Devices Abandoned US20120303310A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
US13/481,346 US20120303310A1 (en) 2011-05-26 2012-05-25 Systems and Methods for Providing Test Keys to Mobile Devices

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201161490501P 2011-05-26 2011-05-26
US13/481,346 US20120303310A1 (en) 2011-05-26 2012-05-25 Systems and Methods for Providing Test Keys to Mobile Devices

Publications (1)

Publication Number Publication Date
US20120303310A1 true US20120303310A1 (en) 2012-11-29

Family

ID=47219227

Family Applications (10)

Application Number Title Priority Date Filing Date
US13/481,364 Active 2033-05-08 US9106633B2 (en) 2011-05-26 2012-05-25 Systems and methods for authenticating mobile device communications
US13/481,377 Expired - Fee Related US8752127B2 (en) 2011-05-26 2012-05-25 Systems and methods for identifying devices by a trusted service manager
US13/481,346 Abandoned US20120303310A1 (en) 2011-05-26 2012-05-25 Systems and Methods for Providing Test Keys to Mobile Devices
US13/481,352 Active US9106632B2 (en) 2011-05-26 2012-05-25 Provisioning by delivered items
US13/481,356 Active 2033-05-11 US9059980B2 (en) 2011-05-26 2012-05-25 Systems and methods for authenticating mobile devices
US13/481,387 Active 2032-12-16 US9154477B2 (en) 2011-05-26 2012-05-25 Systems and methods for encrypting mobile device communications
US13/481,394 Abandoned US20120303503A1 (en) 2011-05-26 2012-05-25 Systems and Methods for Tokenizing Financial Information
US13/481,437 Expired - Fee Related US8775305B2 (en) 2011-05-26 2012-05-25 Card-present on-line transactions
US13/481,433 Expired - Fee Related US8880886B2 (en) 2011-05-26 2012-05-25 Systems and methods for authenticating mobile devices
US14/268,703 Active US9331996B2 (en) 2011-05-26 2014-05-02 Systems and methods for identifying devices by a trusted service manager

Family Applications Before (2)

Application Number Title Priority Date Filing Date
US13/481,364 Active 2033-05-08 US9106633B2 (en) 2011-05-26 2012-05-25 Systems and methods for authenticating mobile device communications
US13/481,377 Expired - Fee Related US8752127B2 (en) 2011-05-26 2012-05-25 Systems and methods for identifying devices by a trusted service manager

Family Applications After (7)

Application Number Title Priority Date Filing Date
US13/481,352 Active US9106632B2 (en) 2011-05-26 2012-05-25 Provisioning by delivered items
US13/481,356 Active 2033-05-11 US9059980B2 (en) 2011-05-26 2012-05-25 Systems and methods for authenticating mobile devices
US13/481,387 Active 2032-12-16 US9154477B2 (en) 2011-05-26 2012-05-25 Systems and methods for encrypting mobile device communications
US13/481,394 Abandoned US20120303503A1 (en) 2011-05-26 2012-05-25 Systems and Methods for Tokenizing Financial Information
US13/481,437 Expired - Fee Related US8775305B2 (en) 2011-05-26 2012-05-25 Card-present on-line transactions
US13/481,433 Expired - Fee Related US8880886B2 (en) 2011-05-26 2012-05-25 Systems and methods for authenticating mobile devices
US14/268,703 Active US9331996B2 (en) 2011-05-26 2014-05-02 Systems and methods for identifying devices by a trusted service manager

Country Status (1)

Country Link
US (10) US9106633B2 (en)

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20140281504A1 (en) * 2013-03-18 2014-09-18 International Business Machines Corporation Authorizing Use Of A Test Key Signed Build
US9059980B2 (en) 2011-05-26 2015-06-16 First Data Corporation Systems and methods for authenticating mobile devices
WO2016037701A1 (en) * 2014-09-11 2016-03-17 Giesecke & Devrient Gmbh Method and devices for testing a mobile terminal having a security element
US20160125203A1 (en) * 2014-10-31 2016-05-05 Xiaomi Inc. Method and apparatus of verifying terminal and medium
US10353806B1 (en) 2015-12-07 2019-07-16 Mx Technologies, Inc. Multi-platform testing automation

Families Citing this family (374)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20140019352A1 (en) 2011-02-22 2014-01-16 Visa International Service Association Multi-purpose virtual card transaction apparatuses, methods and systems
US8762263B2 (en) 2005-09-06 2014-06-24 Visa U.S.A. Inc. System and method for secured account numbers in proximity devices
US9047601B2 (en) * 2006-09-24 2015-06-02 RFCyber Corpration Method and apparatus for settling payments using mobile devices
US7739169B2 (en) 2007-06-25 2010-06-15 Visa U.S.A. Inc. Restricting access to compromised account information
US8121956B2 (en) 2007-06-25 2012-02-21 Visa U.S.A. Inc. Cardless challenge systems and methods
US7937324B2 (en) 2007-09-13 2011-05-03 Visa U.S.A. Inc. Account permanence
US8219489B2 (en) 2008-07-29 2012-07-10 Visa U.S.A. Inc. Transaction processing using a global unique identifier
CA2742963A1 (en) 2008-11-06 2010-05-14 Visa International Service Association Online challenge-response
KR101207178B1 (en) * 2008-12-12 2012-11-30 에스케이플래닛 주식회사 A system, a method, a service server, a mobile terminal, an end terminal and a storage means for service supply
US20120035993A1 (en) * 2009-03-09 2012-02-09 Rajender Kumar Nangia Method of providing brand promotion via mobile terminal and the system thereof
US9715681B2 (en) 2009-04-28 2017-07-25 Visa International Service Association Verification of portable consumer devices
US9038886B2 (en) 2009-05-15 2015-05-26 Visa International Service Association Verification of portable consumer devices
US10846683B2 (en) 2009-05-15 2020-11-24 Visa International Service Association Integration of verification tokens with mobile communication devices
US8534564B2 (en) 2009-05-15 2013-09-17 Ayman Hammad Integration of verification tokens with mobile communication devices
US8893967B2 (en) 2009-05-15 2014-11-25 Visa International Service Association Secure Communication of payment information to merchants using a verification token
US8602293B2 (en) 2009-05-15 2013-12-10 Visa International Service Association Integration of verification tokens with portable computing devices
US7891560B2 (en) 2009-05-15 2011-02-22 Visa International Service Assocation Verification of portable consumer devices
US9105027B2 (en) 2009-05-15 2015-08-11 Visa International Service Association Verification of portable consumer device for secure services
US10140598B2 (en) 2009-05-20 2018-11-27 Visa International Service Association Device including encrypted data for expiration date and verification value creation
US8989705B1 (en) 2009-06-18 2015-03-24 Sprint Communications Company L.P. Secure placement of centralized media controller application in mobile access terminal
FR2951898B1 (en) * 2009-10-27 2015-10-02 Sagem Comm METHOD FOR ESTABLISHING AN APPLICATION SESSION, DEVICE AND NOTIFICATION THEREOF
US10255591B2 (en) 2009-12-18 2019-04-09 Visa International Service Association Payment channel returning limited use proxy dynamic value
CA3045817A1 (en) 2010-01-12 2011-07-21 Visa International Service Association Anytime validation for verification tokens
US10255601B2 (en) 2010-02-25 2019-04-09 Visa International Service Association Multifactor authentication using a directory server
US9245267B2 (en) 2010-03-03 2016-01-26 Visa International Service Association Portable account number for consumer payment account
US8645280B2 (en) * 2010-06-04 2014-02-04 Craig McKenzie Electronic credit card with fraud protection
US9172680B2 (en) * 2010-06-07 2015-10-27 Protected Mobility, Llc Systems and methods for enabling secure messaging, command, and control of remote devices, communicated via a short message service or other message oriented communications mediums
US9342832B2 (en) 2010-08-12 2016-05-17 Visa International Service Association Securing external systems with account token substitution
US10586227B2 (en) 2011-02-16 2020-03-10 Visa International Service Association Snap mobile payment apparatuses, methods and systems
BR112013021059A2 (en) 2011-02-16 2020-10-27 Visa International Service Association Snap mobile payment systems, methods and devices
BR112013021057A2 (en) 2011-02-22 2020-11-10 Visa International Service Association universal electronic payment devices, methods and systems
KR101895243B1 (en) 2011-03-04 2018-10-24 비자 인터네셔널 서비스 어소시에이션 Integration of payment capability into secure elements of computers
WO2012142045A2 (en) 2011-04-11 2012-10-18 Visa International Service Association Multiple tokenization for authentication
US8538845B2 (en) 2011-06-03 2013-09-17 Mozido, Llc Monetary transaction system
US9639825B1 (en) 2011-06-14 2017-05-02 Amazon Technologies, Inc. Securing multifactor authentication
US9628875B1 (en) 2011-06-14 2017-04-18 Amazon Technologies, Inc. Provisioning a device to be an authentication device
US9355393B2 (en) 2011-08-18 2016-05-31 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
US9582598B2 (en) 2011-07-05 2017-02-28 Visa International Service Association Hybrid applications utilizing distributed models and views apparatuses, methods and systems
WO2013006725A2 (en) 2011-07-05 2013-01-10 Visa International Service Association Electronic wallet checkout platform apparatuses, methods and systems
WO2013009284A1 (en) * 2011-07-11 2013-01-17 Research In Motion Limited Data integrity for proximity-based communication
US20130024383A1 (en) * 2011-07-18 2013-01-24 Sasikumar Kannappan Mobile Device With Secure Element
US9704155B2 (en) 2011-07-29 2017-07-11 Visa International Service Association Passing payment tokens through an hop/sop
US10825001B2 (en) 2011-08-18 2020-11-03 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
US10242358B2 (en) 2011-08-18 2019-03-26 Visa International Service Association Remote decoupled application persistent state apparatuses, methods and systems
US9710807B2 (en) 2011-08-18 2017-07-18 Visa International Service Association Third-party value added wallet features and interfaces apparatuses, methods and systems
US9165294B2 (en) 2011-08-24 2015-10-20 Visa International Service Association Method for using barcodes and mobile devices to conduct payment transactions
US10223730B2 (en) 2011-09-23 2019-03-05 Visa International Service Association E-wallet store injection search apparatuses, methods and systems
US10142442B2 (en) * 2011-10-26 2018-11-27 Mastercard International Incorporated Methods, systems and computer readable media for enabling a downloadable service to access components in a mobile device
WO2013063446A1 (en) * 2011-10-26 2013-05-02 Mastercard International Incorporated Methods, systems and computer readable media for enabling a downloadable service to access components in a mobile device
US8875228B2 (en) 2011-11-01 2014-10-28 Jvl Ventures, Llc Systems, methods, and computer program products for managing secure elements
US9544759B2 (en) 2011-11-01 2017-01-10 Google Inc. Systems, methods, and computer program products for managing states
US9208488B2 (en) 2011-11-21 2015-12-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers
US10438196B2 (en) 2011-11-21 2019-10-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers
JP5643741B2 (en) * 2011-12-02 2014-12-17 株式会社東芝 Authentication apparatus, authentication method, and authentication program
WO2013084054A1 (en) 2011-12-08 2013-06-13 Dark Matter Labs Inc. Key creation and rotation for data encryption
US9077769B2 (en) * 2011-12-29 2015-07-07 Blackberry Limited Communications system providing enhanced trusted service manager (TSM) verification features and related methods
CN104094302B (en) 2012-01-05 2018-12-14 维萨国际服务协会 Data protection is carried out with conversion
US10223710B2 (en) 2013-01-04 2019-03-05 Visa International Service Association Wearable intelligent vision device apparatuses, methods and systems
US9830595B2 (en) 2012-01-26 2017-11-28 Visa International Service Association System and method of providing tokenization as a service
AU2013214801B2 (en) 2012-02-02 2018-06-21 Visa International Service Association Multi-source, multi-dimensional, cross-entity, multimedia database platform apparatuses, methods and systems
US10282724B2 (en) 2012-03-06 2019-05-07 Visa International Service Association Security system incorporating mobile device
US8712407B1 (en) 2012-04-05 2014-04-29 Sprint Communications Company L.P. Multiple secure elements in mobile electronic device with near field communication capability
WO2013155628A1 (en) 2012-04-17 2013-10-24 Zighra Inc. Fraud detection system, method, and device
US9619852B2 (en) 2012-04-17 2017-04-11 Zighra Inc. Context-dependent authentication system, method and device
US20130282588A1 (en) * 2012-04-22 2013-10-24 John Hruska Consumer, Merchant and Mobile Device Specific, Real-Time Dynamic Tokenization Activation within a Secure Mobile-Wallet Financial Transaction System
WO2013166501A1 (en) 2012-05-04 2013-11-07 Visa International Service Association System and method for local data conversion
US9027102B2 (en) 2012-05-11 2015-05-05 Sprint Communications Company L.P. Web server bypass of backend process on near field communications and secure element chips
US9094774B2 (en) 2012-05-14 2015-07-28 At&T Intellectual Property I, Lp Apparatus and methods for maintaining service continuity when transitioning between mobile network operators
US8875265B2 (en) 2012-05-14 2014-10-28 Qualcomm Incorporated Systems and methods for remote credentials management
US9148785B2 (en) 2012-05-16 2015-09-29 At&T Intellectual Property I, Lp Apparatus and methods for provisioning devices to utilize services of mobile network operators
US8862181B1 (en) 2012-05-29 2014-10-14 Sprint Communications Company L.P. Electronic purchase transaction trust infrastructure
US9524501B2 (en) 2012-06-06 2016-12-20 Visa International Service Association Method and system for correlating diverse transaction data
US9286491B2 (en) 2012-06-07 2016-03-15 Amazon Technologies, Inc. Virtual service provider zones
US10084818B1 (en) 2012-06-07 2018-09-25 Amazon Technologies, Inc. Flexibly configurable data modification services
US10075471B2 (en) 2012-06-07 2018-09-11 Amazon Technologies, Inc. Data loss prevention techniques
US9590959B2 (en) 2013-02-12 2017-03-07 Amazon Technologies, Inc. Data security service
US9473929B2 (en) 2012-06-19 2016-10-18 At&T Mobility Ii Llc Apparatus and methods for distributing credentials of mobile network operators
US8800015B2 (en) 2012-06-19 2014-08-05 At&T Mobility Ii, Llc Apparatus and methods for selecting services of mobile network operators
US11899711B2 (en) 2012-06-19 2024-02-13 Ondot Systems Inc. Merchant logo detection artificial intelligence (AI) for injecting user control to ISO back-end transaction approvals between acquirer processors and issuer processors over data communication networks
US20210133698A1 (en) * 2012-06-19 2021-05-06 Ondot Systems Inc. Injecting user control for card-on-file merchant data and implicitly-identified recurring payment transaction parameters between acquirer processors and issuer processors over data communication networks
US9282898B2 (en) 2012-06-25 2016-03-15 Sprint Communications Company L.P. End-to-end trusted communications infrastructure
US9066230B1 (en) 2012-06-27 2015-06-23 Sprint Communications Company L.P. Trusted policy and charging enforcement function
US8712044B2 (en) * 2012-06-29 2014-04-29 Dark Matter Labs Inc. Key management system
US8649770B1 (en) 2012-07-02 2014-02-11 Sprint Communications Company, L.P. Extended trusted security zone radio modem
US9547769B2 (en) 2012-07-03 2017-01-17 Visa International Service Association Data protection hub
US9160719B2 (en) 2012-07-20 2015-10-13 Protected Mobility, Llc Hiding ciphertext using a linguistics algorithm with dictionaries
US8667607B2 (en) 2012-07-24 2014-03-04 Sprint Communications Company L.P. Trusted security zone access to peripheral devices
US9846861B2 (en) 2012-07-25 2017-12-19 Visa International Service Association Upstream and downstream data conversion
US8863252B1 (en) * 2012-07-25 2014-10-14 Sprint Communications Company L.P. Trusted access to third party applications systems and methods
US9256871B2 (en) 2012-07-26 2016-02-09 Visa U.S.A. Inc. Configurable payment tokens
US8676709B2 (en) 2012-07-31 2014-03-18 Google Inc. Merchant category codes in a proxy card transaction
WO2014020523A1 (en) * 2012-08-02 2014-02-06 Visa International Service Association Issuing and storing of payment credentials
US9373121B1 (en) * 2012-08-09 2016-06-21 Sprint Communications Company L.P. User communication device control with operating system action request messages
US9665722B2 (en) 2012-08-10 2017-05-30 Visa International Service Association Privacy firewall
US9183412B2 (en) 2012-08-10 2015-11-10 Sprint Communications Company L.P. Systems and methods for provisioning and using multiple trusted security zones on an electronic device
US9015068B1 (en) 2012-08-25 2015-04-21 Sprint Communications Company L.P. Framework for real-time brokering of digital content delivery
US9215180B1 (en) 2012-08-25 2015-12-15 Sprint Communications Company L.P. File retrieval in real-time brokering of digital content
US8954588B1 (en) 2012-08-25 2015-02-10 Sprint Communications Company L.P. Reservations in real-time brokering of digital content delivery
EP2706770A1 (en) * 2012-09-06 2014-03-12 Gemalto SA Method for cloning a secure element
US8752140B1 (en) 2012-09-11 2014-06-10 Sprint Communications Company L.P. System and methods for trusted internet domain networking
AU2013315510B2 (en) 2012-09-11 2019-08-22 Visa International Service Association Cloud-based Virtual Wallet NFC Apparatuses, methods and systems
JP6072907B2 (en) 2012-09-18 2017-02-01 グーグル インコーポレイテッド Systems, methods, and computer program products for interfacing trusted service managers and secure elements of multiple service providers
US10445717B2 (en) * 2012-10-10 2019-10-15 Mastercard International Incorporated System and methods for issuance of a mobile payment account
US10176478B2 (en) 2012-10-23 2019-01-08 Visa International Service Association Transaction initiation determination system utilizing transaction data elements
US10057400B1 (en) 2012-11-02 2018-08-21 Majen Tech, LLC Lock screen interface for a mobile device apparatus
US10055727B2 (en) * 2012-11-05 2018-08-21 Mfoundry, Inc. Cloud-based systems and methods for providing consumer financial data
US9911118B2 (en) 2012-11-21 2018-03-06 Visa International Service Association Device pairing via trusted intermediary
CN103856938B (en) 2012-12-04 2017-07-28 中兴通讯股份有限公司 A kind of method of encrypting and decrypting, system and equipment
US9881143B2 (en) * 2012-12-06 2018-01-30 Qualcomm Incorporated Methods and apparatus for providing private expression protection against impersonation risks
US20140180931A1 (en) * 2012-12-07 2014-06-26 David Lie System and Method for Secure Wi-Fi- Based Payments Using Mobile Communication Devices
WO2014087381A1 (en) 2012-12-07 2014-06-12 Visa International Service Association A token generating component
US9866382B2 (en) 2012-12-21 2018-01-09 Mobile Iron, Inc. Secure app-to-app communication
US9059974B2 (en) * 2012-12-21 2015-06-16 Mobile Iron, Inc. Secure mobile app connection bus
WO2014103308A1 (en) * 2012-12-28 2014-07-03 パナソニック株式会社 Control method
US10740731B2 (en) 2013-01-02 2020-08-11 Visa International Service Association Third party settlement
US9741051B2 (en) 2013-01-02 2017-08-22 Visa International Service Association Tokenization and third-party interaction
US9232394B2 (en) 2013-01-02 2016-01-05 International Business Machines Corporation Authentication of phone caller identity
US11431834B1 (en) 2013-01-10 2022-08-30 Majen Tech, LLC Screen interface for a mobile device apparatus
US10051103B1 (en) 2013-01-10 2018-08-14 Majen Tech, LLC Screen interface for a mobile device apparatus
US8869306B2 (en) * 2013-01-24 2014-10-21 Bank Of America Corporation Application usage in device identification program
MX348460B (en) 2013-01-25 2017-06-14 Google Inc Systems, methods, and computer program products for managing data re-installation.
US9161227B1 (en) 2013-02-07 2015-10-13 Sprint Communications Company L.P. Trusted signaling in long term evolution (LTE) 4G wireless communication
US9578664B1 (en) 2013-02-07 2017-02-21 Sprint Communications Company L.P. Trusted signaling in 3GPP interfaces in a network function virtualization wireless communication system
US9547771B2 (en) 2013-02-12 2017-01-17 Amazon Technologies, Inc. Policy enforcement with associated data
US10211977B1 (en) 2013-02-12 2019-02-19 Amazon Technologies, Inc. Secure management of information using a security module
US9300464B1 (en) * 2013-02-12 2016-03-29 Amazon Technologies, Inc. Probabilistic key rotation
US10467422B1 (en) 2013-02-12 2019-11-05 Amazon Technologies, Inc. Automatic key rotation
US9705674B2 (en) 2013-02-12 2017-07-11 Amazon Technologies, Inc. Federated key management
US9608813B1 (en) 2013-06-13 2017-03-28 Amazon Technologies, Inc. Key rotation techniques
US9367697B1 (en) 2013-02-12 2016-06-14 Amazon Technologies, Inc. Data security with a security module
US10210341B2 (en) 2013-02-12 2019-02-19 Amazon Technologies, Inc. Delayed data access
US9270336B2 (en) 2013-02-25 2016-02-23 Lexmark International, Inc. Provisioning user attributes for use with mobile computing device
US8909143B2 (en) 2013-02-25 2014-12-09 Lexmark International, Inc. Provisioning user attributes for use with mobile computing device
US9104840B1 (en) 2013-03-05 2015-08-11 Sprint Communications Company L.P. Trusted security zone watermark
US9613208B1 (en) 2013-03-13 2017-04-04 Sprint Communications Company L.P. Trusted security zone enhanced with trusted hardware drivers
US8881977B1 (en) 2013-03-13 2014-11-11 Sprint Communications Company L.P. Point-of-sale and automated teller machine transactions using trusted mobile access device
US9049013B2 (en) 2013-03-14 2015-06-02 Sprint Communications Company L.P. Trusted security zone containers for the protection and confidentiality of trusted service manager data
US9049186B1 (en) 2013-03-14 2015-06-02 Sprint Communications Company L.P. Trusted security zone re-provisioning and re-use capability for refurbished mobile devices
US10332142B2 (en) * 2013-03-14 2019-06-25 Datascape, Inc. System and method for incentivizing wireless device users to interact with sponsor offers and advertising
US9021585B1 (en) 2013-03-15 2015-04-28 Sprint Communications Company L.P. JTAG fuse vulnerability determination and protection using a trusted execution environment
US9374363B1 (en) 2013-03-15 2016-06-21 Sprint Communications Company L.P. Restricting access of a portable communication device to confidential data or applications via a remote network based on event triggers generated by the portable communication device
US9191388B1 (en) 2013-03-15 2015-11-17 Sprint Communications Company L.P. Trusted security zone communication addressing on an electronic device
US8984592B1 (en) 2013-03-15 2015-03-17 Sprint Communications Company L.P. Enablement of a trusted security zone authentication for remote mobile device management systems and methods
JP5999256B2 (en) * 2013-03-28 2016-09-28 富士通株式会社 Information management apparatus, information management system, information management method, and information management program
US9454723B1 (en) 2013-04-04 2016-09-27 Sprint Communications Company L.P. Radio frequency identity (RFID) chip electrically and communicatively coupled to motherboard of mobile communication device
US9171243B1 (en) 2013-04-04 2015-10-27 Sprint Communications Company L.P. System for managing a digest of biographical information stored in a radio frequency identity chip coupled to a mobile communication device
US9324016B1 (en) 2013-04-04 2016-04-26 Sprint Communications Company L.P. Digest of biographical information for an electronic device with static and dynamic portions
US9838869B1 (en) 2013-04-10 2017-12-05 Sprint Communications Company L.P. Delivering digital content to a mobile device via a digital rights clearing house
US9479922B2 (en) 2013-04-12 2016-10-25 Google Inc. Provisioning a plurality of computing devices
US9443088B1 (en) 2013-04-15 2016-09-13 Sprint Communications Company L.P. Protection for multimedia files pre-downloaded to a mobile device
FR3004884B1 (en) * 2013-04-17 2016-09-09 Oberthur Technologies SECURE ELEMENT FOR TELECOMMUNICATIONS TERMINAL
US9426604B1 (en) 2013-04-30 2016-08-23 Sprint Communications Company L.P. Prevention of inductive coupling between components of a mobile communication device
GB2513602A (en) * 2013-05-01 2014-11-05 Barclays Bank Plc Authentication system for purchase delivery
US11055710B2 (en) 2013-05-02 2021-07-06 Visa International Service Association Systems and methods for verifying and processing transactions using virtual currency
US10592890B2 (en) * 2014-09-03 2020-03-17 Intel Corporation Methods and arrangements to complete online transactions
US10198728B2 (en) * 2013-05-15 2019-02-05 Visa International Service Association Methods and systems for provisioning payment credentials
WO2014186635A1 (en) 2013-05-15 2014-11-20 Visa International Service Association Mobile tokenization hub
US9069952B1 (en) 2013-05-20 2015-06-30 Sprint Communications Company L.P. Method for enabling hardware assisted operating system region for safe execution of untrusted code using trusted transitional memory
EP3000247B1 (en) * 2013-05-21 2019-06-05 Google LLC Systems, methods, and computer program products for managing states
US9763067B2 (en) 2013-05-28 2017-09-12 Protected Mobility, Llc Methods and apparatus for long-short wave, low-high frequency radio secure message service
US9560519B1 (en) 2013-06-06 2017-01-31 Sprint Communications Company L.P. Mobile communication device profound identity brokering framework
US20140373184A1 (en) * 2013-06-12 2014-12-18 Lookout, Inc. Mobile device persistent security mechanism
WO2014204832A1 (en) * 2013-06-17 2014-12-24 Jvl Ventures, Llc Systems, methods, and computer program products for processing a request relating to a mobile communication device
US10878422B2 (en) 2013-06-17 2020-12-29 Visa International Service Association System and method using merchant token
US9183606B1 (en) 2013-07-10 2015-11-10 Sprint Communications Company L.P. Trusted processing location within a graphics processing unit
CN112116344A (en) 2013-07-15 2020-12-22 维萨国际服务协会 Secure remote payment transaction processing
CN105580038A (en) 2013-07-24 2016-05-11 维萨国际服务协会 Systems and methods for interoperable network token processing
EP3025291A1 (en) 2013-07-26 2016-06-01 Visa International Service Association Provisioning payment credentials to a consumer
US10496986B2 (en) 2013-08-08 2019-12-03 Visa International Service Association Multi-network tokenization processing
SG11201600909QA (en) 2013-08-08 2016-03-30 Visa Int Service Ass Methods and systems for provisioning mobile devices with payment credentials
US9208339B1 (en) 2013-08-12 2015-12-08 Sprint Communications Company L.P. Verifying Applications in Virtual Environments Using a Trusted Security Zone
US9646303B2 (en) * 2013-08-15 2017-05-09 Visa International Service Association Secure remote payment transaction processing using a secure element
US8904195B1 (en) 2013-08-21 2014-12-02 Citibank, N.A. Methods and systems for secure communications between client applications and secure elements in mobile devices
WO2015038551A1 (en) * 2013-09-10 2015-03-19 Visa International Service Association Mobile payment application provisioning and personalization on a mobile device
US9350550B2 (en) 2013-09-10 2016-05-24 M2M And Iot Technologies, Llc Power management and security for wireless modules in “machine-to-machine” communications
US9100175B2 (en) * 2013-11-19 2015-08-04 M2M And Iot Technologies, Llc Embedded universal integrated circuit card supporting two-factor authentication
US10181117B2 (en) 2013-09-12 2019-01-15 Intel Corporation Methods and arrangements for a personal point of sale device
RU2663476C2 (en) 2013-09-20 2018-08-06 Виза Интернэшнл Сервис Ассосиэйшн Remote payment transactions protected processing, including authentication of consumers
US10498530B2 (en) 2013-09-27 2019-12-03 Network-1 Technologies, Inc. Secure PKI communications for “machine-to-machine” modules, including key derivation by modules and authenticating public keys
US10878414B2 (en) 2013-09-30 2020-12-29 Apple Inc. Multi-path communication of electronic device secure element data for online payments
US20150095238A1 (en) * 2013-09-30 2015-04-02 Apple Inc. Online payments using a secure element of an electronic device
US11748746B2 (en) 2013-09-30 2023-09-05 Apple Inc. Multi-path communication of electronic device secure element data for online payments
RU2691843C2 (en) 2013-10-11 2019-06-18 Виза Интернэшнл Сервис Ассосиэйшн Network token system
US9978094B2 (en) 2013-10-11 2018-05-22 Visa International Service Association Tokenization revocation list
EP3058532A4 (en) * 2013-10-14 2017-04-12 Equifax, Inc. Providing identification information to mobile commerce applications
US11574299B2 (en) 2013-10-14 2023-02-07 Equifax Inc. Providing identification information during an interaction with an interactive computing environment
US10515358B2 (en) 2013-10-18 2019-12-24 Visa International Service Association Contextual transaction token methods and systems
US10489779B2 (en) 2013-10-21 2019-11-26 Visa International Service Association Multi-network token bin routing with defined verification parameters
US10366387B2 (en) 2013-10-29 2019-07-30 Visa International Service Association Digital wallet system and method
US9185626B1 (en) 2013-10-29 2015-11-10 Sprint Communications Company L.P. Secure peer-to-peer call forking facilitated by trusted 3rd party voice server provisioning
US8930274B1 (en) 2013-10-30 2015-01-06 Google Inc. Securing payment transactions with rotating application transaction counters
US9301132B2 (en) 2013-11-07 2016-03-29 International Business Machines Corporation Managing distribution of software updates in near field communication (NFC) mobile devices
US9191522B1 (en) 2013-11-08 2015-11-17 Sprint Communications Company L.P. Billing varied service based on tier
AU2014353151B2 (en) 2013-11-19 2018-03-08 Visa International Service Association Automated account provisioning
US10700856B2 (en) 2013-11-19 2020-06-30 Network-1 Technologies, Inc. Key derivation for a module using an embedded universal integrated circuit card
US20150142670A1 (en) * 2013-11-20 2015-05-21 Sue Zloth Systems and methods for software based encryption
US9161325B1 (en) 2013-11-20 2015-10-13 Sprint Communications Company L.P. Subscriber identity module virtualization
US8886933B1 (en) * 2013-12-17 2014-11-11 Google Inc. Streamlined provisioning and configuration of computing devices
AU2014368949A1 (en) 2013-12-19 2016-06-09 Visa International Service Association Cloud-based transactions methods and systems
US9922322B2 (en) 2013-12-19 2018-03-20 Visa International Service Association Cloud-based transactions with magnetic secure transmission
US10552830B2 (en) * 2013-12-23 2020-02-04 Apple Inc. Deletion of credentials from an electronic device
US10433128B2 (en) 2014-01-07 2019-10-01 Visa International Service Association Methods and systems for provisioning multiple devices
US9846878B2 (en) 2014-01-14 2017-12-19 Visa International Service Association Payment account identifier system
US9118655B1 (en) 2014-01-24 2015-08-25 Sprint Communications Company L.P. Trusted display and transmission of digital ticket documentation
US9305149B2 (en) 2014-02-07 2016-04-05 Bank Of America Corporation Sorting mobile banking functions into authentication buckets
US9286450B2 (en) 2014-02-07 2016-03-15 Bank Of America Corporation Self-selected user access based on specific authentication types
US9317674B2 (en) 2014-02-07 2016-04-19 Bank Of America Corporation User authentication based on fob/indicia scan
US9223951B2 (en) 2014-02-07 2015-12-29 Bank Of America Corporation User authentication based on other applications
US9313190B2 (en) 2014-02-07 2016-04-12 Bank Of America Corporation Shutting down access to all user accounts
US9647999B2 (en) 2014-02-07 2017-05-09 Bank Of America Corporation Authentication level of function bucket based on circumstances
US9213974B2 (en) 2014-02-07 2015-12-15 Bank Of America Corporation Remote revocation of application access based on non-co-location of a transaction vehicle and a mobile device
US9331994B2 (en) 2014-02-07 2016-05-03 Bank Of America Corporation User authentication based on historical transaction data
US9208301B2 (en) 2014-02-07 2015-12-08 Bank Of America Corporation Determining user authentication requirements based on the current location of the user in comparison to the users's normal boundary of location
US9965606B2 (en) 2014-02-07 2018-05-08 Bank Of America Corporation Determining user authentication based on user/device interaction
US9317673B2 (en) 2014-02-07 2016-04-19 Bank Of America Corporation Providing authentication using previously-validated authentication credentials
US9213814B2 (en) 2014-02-07 2015-12-15 Bank Of America Corporation User authentication based on self-selected preferences
WO2015120873A1 (en) 2014-02-17 2015-08-20 Kaba Ag Group Innovation Management System and method for managing application data of contactless card applications
US9226145B1 (en) 2014-03-28 2015-12-29 Sprint Communications Company L.P. Verification of mobile device integrity during activation
US11080777B2 (en) 2014-03-31 2021-08-03 Monticello Enterprises LLC System and method for providing a social media shopping experience
US10511580B2 (en) 2014-03-31 2019-12-17 Monticello Enterprises LLC System and method for providing a social media shopping experience
US11282131B2 (en) 2014-03-31 2022-03-22 Monticello Enterprises LLC User device enabling access to payment information in response to user input
US10726472B2 (en) 2014-03-31 2020-07-28 Monticello Enterprises LLC System and method for providing simplified in-store, product-based and rental payment processes
US10026087B2 (en) 2014-04-08 2018-07-17 Visa International Service Association Data passed in an interaction
US9942043B2 (en) 2014-04-23 2018-04-10 Visa International Service Association Token security on a communication device
AU2015253182B2 (en) 2014-05-01 2019-02-14 Visa International Service Association Data verification using access device
US9848052B2 (en) 2014-05-05 2017-12-19 Visa International Service Association System and method for token domain control
US20150326545A1 (en) * 2014-05-06 2015-11-12 Apple Inc. Secure key rotation for an issuer security domain of an electronic device
US9397835B1 (en) 2014-05-21 2016-07-19 Amazon Technologies, Inc. Web of trust management in a distributed system
AU2015264124B2 (en) 2014-05-21 2019-05-09 Visa International Service Association Offline authentication
US10362010B2 (en) * 2014-05-29 2019-07-23 Apple Inc. Management of credentials on an electronic device using an online resource
US11017384B2 (en) 2014-05-29 2021-05-25 Apple Inc. Apparatuses and methods for using a primary user device to provision credentials onto a secondary user device
US9299072B2 (en) 2014-05-29 2016-03-29 Apple Inc. Apparatuses and methods for operating a portable electronic device to conduct mobile payment transactions
US9400977B2 (en) 2014-05-29 2016-07-26 Apple Inc. User device enabling access to payment information in response to mechanical input detection
US11023890B2 (en) 2014-06-05 2021-06-01 Visa International Service Association Identification and verification for provisioning mobile application
US9438421B1 (en) 2014-06-27 2016-09-06 Amazon Technologies, Inc. Supporting a fixed transaction rate with a variably-backed logical cryptographic key
US20160012426A1 (en) * 2014-07-11 2016-01-14 Google Inc. Hands-free transactions with a challenge and response
US9780953B2 (en) 2014-07-23 2017-10-03 Visa International Service Association Systems and methods for secure detokenization
US9230085B1 (en) 2014-07-29 2016-01-05 Sprint Communications Company L.P. Network based temporary trust extension to a remote or mobile device enabled via specialized cloud services
US10484345B2 (en) 2014-07-31 2019-11-19 Visa International Service Association System and method for identity verification across mobile applications
US9788203B2 (en) 2014-08-19 2017-10-10 Zighra Inc. System and method for implicit authentication
US10187799B2 (en) 2014-08-19 2019-01-22 Zighra Inc. System and method for implicit authentication
US9775029B2 (en) 2014-08-22 2017-09-26 Visa International Service Association Embedding cloud-based functionalities in a communication device
US9398428B2 (en) * 2014-08-26 2016-07-19 Verizon Patent And Licensing Inc. Enterprise messaging client and messaging archive
US9965627B2 (en) 2014-09-14 2018-05-08 Sophos Limited Labeling objects on an endpoint for encryption management
US10122687B2 (en) 2014-09-14 2018-11-06 Sophos Limited Firewall techniques for colored objects on endpoints
US9537841B2 (en) * 2014-09-14 2017-01-03 Sophos Limited Key management for compromised enterprise endpoints
US9866392B1 (en) 2014-09-15 2018-01-09 Amazon Technologies, Inc. Distributed system web of trust provisioning
US10140615B2 (en) 2014-09-22 2018-11-27 Visa International Service Association Secure mobile device credential provisioning using risk decision non-overrides
CN111866873B (en) 2014-09-26 2023-09-05 维萨国际服务协会 Remote server encrypted data storage system and method
US11257074B2 (en) 2014-09-29 2022-02-22 Visa International Service Association Transaction risk based token
US9807607B2 (en) * 2014-10-03 2017-10-31 T-Mobile Usa, Inc. Secure remote user device unlock
US9288043B1 (en) * 2014-10-17 2016-03-15 Motorola Solutions, Inc. Methods and systems for providing high-security cryptographic keys to mobile radios
US10015147B2 (en) 2014-10-22 2018-07-03 Visa International Service Association Token enrollment system and method
GB201419016D0 (en) 2014-10-24 2014-12-10 Visa Europe Ltd Transaction Messaging
EP3217620B1 (en) * 2014-11-07 2020-03-25 Tendyron Corporation Data interaction method and system
EP3021516A1 (en) * 2014-11-11 2016-05-18 Giesecke & Devrient GmbH Method and server for providing transaction keys
US10325261B2 (en) 2014-11-25 2019-06-18 Visa International Service Association Systems communications with non-sensitive identifiers
AU2015353458A1 (en) 2014-11-26 2017-04-20 Visa International Service Association Tokenization request via access device
US10769315B2 (en) 2014-12-01 2020-09-08 T-Mobile Usa, Inc. Anti-theft recovery tool
US20160162900A1 (en) 2014-12-09 2016-06-09 Zighra Inc. Fraud detection system, method, and device
US9589264B2 (en) * 2014-12-10 2017-03-07 American Express Travel Related Services Company, Inc. System and method for pre-provisioned wearable contactless payments
US10257185B2 (en) 2014-12-12 2019-04-09 Visa International Service Association Automated access data provisioning
WO2016094122A1 (en) 2014-12-12 2016-06-16 Visa International Service Association Provisioning platform for machine-to-machine devices
US10187363B2 (en) 2014-12-31 2019-01-22 Visa International Service Association Hybrid integration of software development kit with secure execution environment
US9779232B1 (en) 2015-01-14 2017-10-03 Sprint Communications Company L.P. Trusted code generation and verification to prevent fraud from maleficent external devices that capture data
US10096009B2 (en) 2015-01-20 2018-10-09 Visa International Service Association Secure payment processing using authorization request
US9853977B1 (en) 2015-01-26 2017-12-26 Winklevoss Ip, Llc System, method, and program product for processing secure transactions within a cloud computing system
US9838868B1 (en) 2015-01-26 2017-12-05 Sprint Communications Company L.P. Mated universal serial bus (USB) wireless dongles configured with destination addresses
US11250391B2 (en) 2015-01-30 2022-02-15 Visa International Service Association Token check offline
WO2016126729A1 (en) 2015-02-03 2016-08-11 Visa International Service Association Validation identity tokens for transactions
US10977657B2 (en) 2015-02-09 2021-04-13 Visa International Service Association Token processing utilizing multiple authorizations
US10164996B2 (en) 2015-03-12 2018-12-25 Visa International Service Association Methods and systems for providing a low value token buffer
US10735200B2 (en) * 2015-03-27 2020-08-04 Comcast Cable Communications, Llc Methods and systems for key generation
US10469477B2 (en) 2015-03-31 2019-11-05 Amazon Technologies, Inc. Key export techniques
US10505891B2 (en) * 2015-04-02 2019-12-10 Nicira, Inc. Security policy selection for machines with dynamic addresses
US9473945B1 (en) 2015-04-07 2016-10-18 Sprint Communications Company L.P. Infrastructure for secure short message transmission
AU2016245988B2 (en) 2015-04-10 2021-05-20 Visa International Service Association Browser integration with cryptogram
CN106161384A (en) * 2015-04-15 2016-11-23 伊姆西公司 For providing the method and system of the secure access to data in a mobile device
US9998978B2 (en) 2015-04-16 2018-06-12 Visa International Service Association Systems and methods for processing dormant virtual access devices
EP3286710A4 (en) * 2015-04-24 2018-12-19 Capital One Services, LLC One use wearable
US9591434B1 (en) * 2015-04-27 2017-03-07 Sprint Communications Company L.P. Virtual private network (VPN) tunneling in a user equipment (UE) brokered by a radio frequency identity (RFID) chip communicatively coupled to the user equipment
US10013224B2 (en) * 2015-04-28 2018-07-03 Toshiba Tec Kabushiki Kaisha System and method for extracting RFID metadata from a document
US10552834B2 (en) 2015-04-30 2020-02-04 Visa International Service Association Tokenization capable authentication framework
US10482455B2 (en) * 2015-05-01 2019-11-19 Capital One Services, Llc Pre-provisioned wearable token devices
US10878411B2 (en) * 2015-05-13 2020-12-29 Sony Corporation Method and apparatus for issued token management
EP3104635B1 (en) * 2015-06-09 2020-02-12 Deutsche Telekom AG Method for an improved installation of a secure-element-related service application in a secure element being located in a communication device, system and telecommunications network for an improved installation of a secure-element-related service application in a secure element being located in a communication device, program comprising a computer readable program code, and computer program product
US10958648B2 (en) * 2015-06-30 2021-03-23 Amazon Technologies, Inc. Device communication environment
US10523537B2 (en) 2015-06-30 2019-12-31 Amazon Technologies, Inc. Device state management
US10075422B2 (en) 2015-06-30 2018-09-11 Amazon Technologies, Inc. Device communication environment
US9819679B1 (en) 2015-09-14 2017-11-14 Sprint Communications Company L.P. Hardware assisted provenance proof of named data networking associated to device data, addresses, services, and servers
CA2997379A1 (en) 2015-10-15 2017-04-20 Visa International Service Association Instant token issuance system
US9641539B1 (en) 2015-10-30 2017-05-02 Bank Of America Corporation Passive based security escalation to shut off of application based on rules event triggering
US10021565B2 (en) 2015-10-30 2018-07-10 Bank Of America Corporation Integrated full and partial shutdown application programming interface
US9820148B2 (en) 2015-10-30 2017-11-14 Bank Of America Corporation Permanently affixed un-decryptable identifier associated with mobile device
US9729536B2 (en) 2015-10-30 2017-08-08 Bank Of America Corporation Tiered identification federated authentication network system
US10282719B1 (en) 2015-11-12 2019-05-07 Sprint Communications Company L.P. Secure and trusted device-based billing and charging process using privilege for network proxy authentication and audit
US9817992B1 (en) 2015-11-20 2017-11-14 Sprint Communications Company Lp. System and method for secure USIM wireless network access
EP3910908A1 (en) 2015-12-04 2021-11-17 Visa International Service Association Unique code for token verification
US10263927B2 (en) 2015-12-08 2019-04-16 International Business Machines Corporation Decluttering general communication message for specific audience
US9578122B1 (en) * 2015-12-08 2017-02-21 International Business Machines Corporation Communicating an E-mail from a sender to a plurality of recipients
KR102469562B1 (en) * 2015-12-18 2022-11-22 삼성전자주식회사 Apparatus and method for sharing personal electronic-health data
US10754703B2 (en) * 2015-12-22 2020-08-25 Mcafee, Llc Trusted computing resource meter
US10546289B1 (en) 2015-12-30 2020-01-28 Wells Fargo Bank, N.A. Mobile wallets with automatic element selection
WO2017120605A1 (en) 2016-01-07 2017-07-13 Visa International Service Association Systems and methods for device push provisioning
WO2017136418A1 (en) 2016-02-01 2017-08-10 Visa International Service Association Systems and methods for code display and use
US11501288B2 (en) 2016-02-09 2022-11-15 Visa International Service Association Resource provider account token provisioning and processing
US10313321B2 (en) 2016-04-07 2019-06-04 Visa International Service Association Tokenization of co-network accounts
AU2016403734B2 (en) 2016-04-19 2022-11-17 Visa International Service Association Systems and methods for performing push transactions
US10902405B1 (en) 2016-05-11 2021-01-26 Wells Fargo Bank, N.A. Transient mobile wallets
US11250424B2 (en) 2016-05-19 2022-02-15 Visa International Service Association Systems and methods for creating subtokens using primary tokens
WO2017209767A1 (en) 2016-06-03 2017-12-07 Visa International Service Association Subtoken management system for connected devices
EP3255597A1 (en) * 2016-06-12 2017-12-13 Apple Inc. Managing secure transactions between electronic devices and service providers
US11068899B2 (en) 2016-06-17 2021-07-20 Visa International Service Association Token aggregation for multi-party transactions
CA3021357A1 (en) 2016-06-24 2017-12-28 Visa International Service Association Unique token authentication cryptogram
AU2017295842A1 (en) 2016-07-11 2018-11-01 Visa International Service Association Encryption key exchange process using access device
WO2018017068A1 (en) 2016-07-19 2018-01-25 Visa International Service Association Method of distributing tokens and managing token relationships
WO2018029324A1 (en) * 2016-08-11 2018-02-15 Sony Corporation Authentication method, wearable device and mobile device
US9967732B2 (en) 2016-08-15 2018-05-08 At&T Intellectual Property I, L.P. Method and apparatus for managing mobile subscriber identification information according to registration errors
US9838991B1 (en) 2016-08-15 2017-12-05 At&T Intellectual Property I, L.P. Method and apparatus for managing mobile subscriber identification information according to registration requests
US9843922B1 (en) * 2016-09-14 2017-12-12 At&T Intellectual Property I, L.P. Method and apparatus for utilizing mobile subscriber identification information with multiple devices based on registration errors
US9794905B1 (en) 2016-09-14 2017-10-17 At&T Mobility Ii Llc Method and apparatus for assigning mobile subscriber identification information to multiple devices according to location
US9814010B1 (en) * 2016-09-14 2017-11-07 At&T Intellectual Property I, L.P. Method and apparatus for utilizing mobile subscriber identification information with multiple devices based on registration requests
US10509779B2 (en) 2016-09-14 2019-12-17 Visa International Service Association Self-cleaning token vault
US10015764B2 (en) 2016-09-14 2018-07-03 At&T Intellectual Property I, L.P. Method and apparatus for assigning mobile subscriber identification information to multiple devices
US9924347B1 (en) 2016-09-14 2018-03-20 At&T Intellectual Property I, L.P. Method and apparatus for reassigning mobile subscriber identification information
US9906943B1 (en) 2016-09-29 2018-02-27 At&T Intellectual Property I, L.P. Method and apparatus for provisioning mobile subscriber identification information to multiple devices and provisioning network elements
US9918220B1 (en) 2016-10-17 2018-03-13 At&T Intellectual Property I, L.P. Method and apparatus for managing and reusing mobile subscriber identification information to multiple devices
US10070303B2 (en) 2016-11-11 2018-09-04 At&T Intellectual Property I, L.P. Method and apparatus for provisioning of multiple devices with mobile subscriber identification information
CN117009946A (en) 2016-11-28 2023-11-07 维萨国际服务协会 Access identifier supplied to application program
US10341842B2 (en) 2016-12-01 2019-07-02 At&T Intellectual Property I, L.P. Method and apparatus for using temporary mobile subscriber identification information in a device to provide services for a limited time period
US10070407B2 (en) 2016-12-01 2018-09-04 At&T Intellectual Property I, L.P. Method and apparatus for using active and inactive mobile subscriber identification information in a device to provide services for a limited time period
US10136305B2 (en) 2016-12-01 2018-11-20 At&T Intellectual Property I, L.P. Method and apparatus for using mobile subscriber identification information for multiple device profiles for a device
US10231204B2 (en) 2016-12-05 2019-03-12 At&T Intellectual Property I, L.P. Methods, systems, and devices for registering a communication device utilizing a virtual network
FR3060161A1 (en) * 2016-12-08 2018-06-15 Orange TECHNIQUE FOR MANAGING A RIGHT OF ACCESS TO A SERVICE FOR A COMMUNICATOR DEVICE
EP3340147A1 (en) * 2016-12-22 2018-06-27 Mastercard International Incorporated Method for providing key identifier in transaction data
US10915899B2 (en) 2017-03-17 2021-02-09 Visa International Service Association Replacing token on a multi-token user device
US10560263B2 (en) * 2017-03-24 2020-02-11 Micron Technology, Inc. Secure memory arrangements
AU2018253294B2 (en) 2017-04-13 2022-09-15 Equifax Inc. Location-based detection of unauthorized use of interactive computing environment functions
US10616186B2 (en) 2017-04-14 2020-04-07 International Business Machines Corporation Data tokenization
US10902418B2 (en) 2017-05-02 2021-01-26 Visa International Service Association System and method using interaction token
US11494765B2 (en) 2017-05-11 2022-11-08 Visa International Service Association Secure remote transaction system using mobile devices
US10438198B1 (en) 2017-05-19 2019-10-08 Wells Fargo Bank, N.A. Derived unique token per transaction
US10863359B2 (en) 2017-06-29 2020-12-08 Equifax Inc. Third-party authorization support for interactive computing environment functions
US10499249B1 (en) 2017-07-11 2019-12-03 Sprint Communications Company L.P. Data link layer trust signaling in communication network
US10491389B2 (en) 2017-07-14 2019-11-26 Visa International Service Association Token provisioning utilizing a secure authentication system
WO2019118682A1 (en) 2017-12-14 2019-06-20 Equifax Inc. Embedded third-party application programming interface to prevent transmission of sensitive data
WO2019171163A1 (en) 2018-03-07 2019-09-12 Visa International Service Association Secure remote token release with online authentication
US11328279B2 (en) 2018-03-30 2022-05-10 Block, Inc. Multi-state merchant-facing device
US11334861B2 (en) * 2018-03-30 2022-05-17 Block, Inc. Temporarily provisioning functionality in a multi-device point-of-sale system
US11514452B2 (en) * 2018-03-30 2022-11-29 Block, Inc. Multi-device point-of-sale system having multiple merchant-facing devices
CN111386513B (en) * 2018-05-03 2021-09-07 华为技术有限公司 Data processing method, device and system chip
US10944562B2 (en) 2018-06-03 2021-03-09 Apple Inc. Authenticating a messaging program session
US11303632B1 (en) * 2018-06-08 2022-04-12 Wells Fargo Bank, N.A. Two-way authentication system and method
US11256789B2 (en) 2018-06-18 2022-02-22 Visa International Service Association Recurring token transactions
KR101901644B1 (en) * 2018-07-04 2018-09-28 주식회사 유니온플레이스 Apparatus for managing universal subscriber identity module and monitoring program
DE102018005502A1 (en) * 2018-07-11 2020-01-16 Giesecke+Devrient Mobile Security Gmbh Securing a data transfer
WO2020041594A1 (en) 2018-08-22 2020-02-27 Visa International Service Association Method and system for token provisioning and processing
US10803542B2 (en) * 2018-09-14 2020-10-13 Buildinglink.com LLC Physical asset recognition platform
US11184162B1 (en) * 2018-09-28 2021-11-23 NortonLifeLock Inc. Privacy preserving secure task automation
US10841287B2 (en) * 2018-11-04 2020-11-17 Tala Secure, Inc. System and method for generating and managing a key package
EP3881258A4 (en) 2018-11-14 2022-01-12 Visa International Service Association Cloud token provisioning of multiple tokens
US11212090B1 (en) 2019-02-27 2021-12-28 Wells Fargo Bank, N.A. Derived unique random key per transaction
CA3061266A1 (en) * 2019-04-08 2019-06-27 Alibaba Group Holding Limited Transferring digital tickets based on blockchain networks
US10998937B2 (en) * 2019-04-30 2021-05-04 Bank Of America Corporation Embedded tag for resource distribution
US11234235B2 (en) 2019-04-30 2022-01-25 Bank Of America Corporation Resource distribution hub generation on a mobile device
US11196737B2 (en) 2019-04-30 2021-12-07 Bank Of America Corporation System for secondary authentication via contactless distribution of dynamic resources
WO2020236135A1 (en) 2019-05-17 2020-11-26 Visa International Service Association Virtual access credential interaction system and method
US11347411B2 (en) 2019-07-17 2022-05-31 Ubs Business Solutions Ag Secure storing and processing of data
US11201856B2 (en) 2019-08-20 2021-12-14 International Business Machines Corporation Message security
JP7429288B2 (en) 2019-09-25 2024-02-07 ジオ プラットフォームズ リミティド Multiple closed-loop secure transaction systems and methods
US20210182915A1 (en) * 2019-12-11 2021-06-17 Data Donate Technologies, Inc. Platform for management of user data
CN111414605B (en) * 2020-03-17 2023-07-18 Oppo(重庆)智能科技有限公司 Unlocking method and device of embedded security unit, electronic equipment and storage medium
CN112272257A (en) * 2020-08-24 2021-01-26 南京信息工程大学 Protection method for personal information and property after mobile phone loss based on mobile payment environment
JP2022063537A (en) * 2020-10-12 2022-04-22 コニカミノルタ株式会社 Management system, management device and program

Citations (19)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6282294B1 (en) * 1998-01-07 2001-08-28 Microsoft Corporation System for broadcasting to, and programming, a motor device in a protocol, device, and network independent fashion
US6411941B1 (en) * 1998-05-21 2002-06-25 Beeble, Inc. Method of restricting software operation within a license limitation
US20030060189A1 (en) * 2001-08-15 2003-03-27 Brian Minear Test enabled application execution
US20040146163A1 (en) * 2002-10-28 2004-07-29 Nokia Corporation Device keys
US20080170693A1 (en) * 2007-01-16 2008-07-17 Terence Spies Format-preserving cryptographic systems
US7418596B1 (en) * 2002-03-26 2008-08-26 Cellco Partnership Secure, efficient, and mutually authenticated cryptographic key distribution
US20090068988A1 (en) * 2006-03-16 2009-03-12 Cofta Piotr L Sim based authentication
US20090144205A1 (en) * 2007-11-29 2009-06-04 Visa Usa, Inc. Serial number and payment data based payment card processing
US20100153709A1 (en) * 2008-12-10 2010-06-17 Qualcomm Incorporated Trust Establishment From Forward Link Only To Non-Forward Link Only Devices
US20100192220A1 (en) * 2008-09-08 2010-07-29 Robin Heizmann Apparatuses, methods and systems for providing a virtual development and deployment environment including real and synthetic data
US20110185178A1 (en) * 2008-03-31 2011-07-28 Compugroup Holding Ag Communication method of an electronic health insurance card with a reading device
US8369521B2 (en) * 2008-10-17 2013-02-05 Oracle International Corporation Smart card based encryption key and password generation and management
US20130163764A1 (en) * 2011-03-28 2013-06-27 Nxp B.V. Secure dynamic on chip key programming
US8560851B1 (en) * 2009-05-15 2013-10-15 Sprint Communications Company L.P. Managing digital certificates
US8689012B1 (en) * 2008-10-17 2014-04-01 Sprint Communications Company L.P. Diagnostics for secure elements in a mobile device
US8750796B2 (en) * 2007-05-17 2014-06-10 Abbott Medical Optics Inc. Exclusive pairing technique for short-range communication devices
US8761401B2 (en) * 2006-08-28 2014-06-24 Motorola Mobility Llc System and method for secure key distribution to manufactured products
US8908870B2 (en) * 2007-11-01 2014-12-09 Infineon Technologies Ag Method and system for transferring information to a device
US9105027B2 (en) * 2009-05-15 2015-08-11 Visa International Service Association Verification of portable consumer device for secure services

Family Cites Families (149)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5491750A (en) 1993-12-30 1996-02-13 International Business Machines Corporation Method and apparatus for three-party entity authentication and key distribution using message authentication codes
US6163771A (en) 1997-08-28 2000-12-19 Walker Digital, Llc Method and device for generating a single-use financial account number
US6084969A (en) * 1997-12-31 2000-07-04 V-One Corporation Key encryption system and method, pager unit, and pager proxy for a two-way alphanumeric pager network
US6636833B1 (en) 1998-03-25 2003-10-21 Obis Patents Ltd. Credit card system and method
US6422462B1 (en) 1998-03-30 2002-07-23 Morris E. Cohen Apparatus and methods for improved credit cards and credit card transactions
US7357312B2 (en) * 1998-05-29 2008-04-15 Gangi Frank J System for associating identification and personal data for multiple magnetic stripe cards or other sources to facilitate a transaction and related methods
US6349290B1 (en) * 1998-06-30 2002-02-19 Citibank, N.A. Automated system and method for customized and personalized presentation of products and services of a financial institution
ATE360866T1 (en) 1998-07-02 2007-05-15 Cryptography Res Inc LEAK-RESISTANT UPDATING OF AN INDEXED CRYPTOGRAPHIC KEY
US6607136B1 (en) * 1998-09-16 2003-08-19 Beepcard Inc. Physical presence digital authentication system
US6044350A (en) 1998-12-24 2000-03-28 Pitney Bowes Inc. Certificate meter with selectable indemnification provisions
US7461010B2 (en) 1999-09-13 2008-12-02 Khai Hee Kwan Computer network method for conducting payment over a network by debiting and crediting telecommunication accounts
FI112418B (en) 2000-02-01 2003-11-28 Nokia Corp Method for checking data integrity, system and mobile
FR2804810B1 (en) 2000-02-09 2003-09-12 France Telecom SERVICE ACTIVATION BY PRE-PAID VIRTUAL CARD
WO2001065502A2 (en) 2000-02-29 2001-09-07 E-Scoring, Inc. Systems and methods enabling anonymous credit transactions
US6986046B1 (en) 2000-05-12 2006-01-10 Groove Networks, Incorporated Method and apparatus for managing secure collaborative transactions
US6829596B1 (en) * 2000-05-23 2004-12-07 Steve Frazee Account/asset activation device and method
KR20030019404A (en) * 2000-05-25 2003-03-06 윌슨 하우 기어프 궤 Transaction system and method
US20020128977A1 (en) * 2000-09-12 2002-09-12 Anant Nambiar Microchip-enabled online transaction system
US20020091646A1 (en) 2000-11-03 2002-07-11 Lake Lawrence L. Method and system for verifying the identity of on-line credit card purchasers through a proxy transaction
US6931382B2 (en) * 2001-01-24 2005-08-16 Cdck Corporation Payment instrument authorization technique
US7292999B2 (en) * 2001-03-15 2007-11-06 American Express Travel Related Services Company, Inc. Online card present transaction
US20020156689A1 (en) 2001-04-18 2002-10-24 Far Soft, Inc. System and method for securing transactions between buyer and credit authorizer
EP1255372B1 (en) 2001-05-03 2008-03-19 Telefonaktiebolaget LM Ericsson (publ) Method and system for data integrity protection
US7783566B2 (en) 2001-06-27 2010-08-24 American Express Travel Related Services Company, Inc. Consolidated payment account system and method
CA2356823C (en) * 2001-09-10 2010-05-11 Research In Motion Limited System and method for real time self-provisioning for a mobile communication device
US7051932B2 (en) * 2001-12-26 2006-05-30 Vivotech, Inc. Adaptor for magnetic stripe card reader
US20040159700A1 (en) 2001-12-26 2004-08-19 Vivotech, Inc. Method and apparatus for secure import of information into data aggregation program hosted by personal trusted device
US8573486B2 (en) 2010-10-13 2013-11-05 Square, Inc. Systems and methods for financial transaction through miniaturized card reader with confirmation of payment sent to buyer
US9305314B2 (en) 2002-02-05 2016-04-05 Square, Inc. Methods of transmitting information to mobile devices using cost effective card readers
US7436966B2 (en) 2002-08-21 2008-10-14 International Business Machines Corporation Secure approach to send data from one system to another
JP4504192B2 (en) 2002-09-16 2010-07-14 テレフオンアクチーボラゲット エル エム エリクソン(パブル) Secure access to subscription modules
US7494055B2 (en) 2002-09-17 2009-02-24 Vivotech, Inc. Collaborative negotiation techniques for mobile personal trusted device financial transactions
US7548621B1 (en) * 2002-09-26 2009-06-16 Ncr Corporation System and method for securing a base derivation key for use in injection of derived unique key per transaction devices
US20060168089A1 (en) * 2002-09-30 2006-07-27 Sampson Scott E Controlling incoming communication by issuing tokens
US20040098312A1 (en) * 2002-11-19 2004-05-20 American Express Travel Related Service Co., Inc. System and method for facilitating interaction between consumer and merchant
US6685088B1 (en) 2002-12-13 2004-02-03 American Express Travel Related Services Company, Inc. System and method for selecting an account
US20060179305A1 (en) * 2004-03-11 2006-08-10 Junbiao Zhang WLAN session management techniques with secure rekeying and logoff
GB0312038D0 (en) 2003-05-24 2003-07-02 Edwards Michael A security method
US20050092839A1 (en) 2003-10-31 2005-05-05 Oram Thomas K. Method and apparatus for providing and processing active barcodes
US7702577B1 (en) 2003-11-06 2010-04-20 Jp Morgan Chase Bank, N.A. System and method for conversion of initial transaction to final transaction
US7543739B2 (en) * 2003-12-17 2009-06-09 Qsecure, Inc. Automated payment card fraud detection and location
US20050198506A1 (en) * 2003-12-30 2005-09-08 Qi Emily H. Dynamic key generation and exchange for mobile devices
US7353388B1 (en) 2004-02-09 2008-04-01 Avaya Technology Corp. Key server for securing IP telephony registration, control, and maintenance
US7797454B2 (en) 2004-02-13 2010-09-14 Hewlett-Packard Development Company, L.P. Media data transcoding devices
US7328011B2 (en) 2004-03-31 2008-02-05 The Boeing Company Management of mobile networks
US20130054470A1 (en) * 2010-01-08 2013-02-28 Blackhawk Network, Inc. System for Payment via Electronic Wallet
US20050279827A1 (en) 2004-04-28 2005-12-22 First Data Corporation Methods and systems for providing guaranteed merchant transactions
US20050250538A1 (en) * 2004-05-07 2005-11-10 July Systems, Inc. Method and system for making card-based payments using mobile devices
WO2005119607A2 (en) * 2004-06-03 2005-12-15 Tyfone, Inc. System and method for securing financial transactions
US8543500B2 (en) 2004-06-25 2013-09-24 Ian Charles Ogilvy Transaction processing method, apparatus and system
US9342664B2 (en) 2004-07-30 2016-05-17 Etrans L.C. Method to make payment or charge safe transactions using programmable mobile telephones
US7174174B2 (en) 2004-08-20 2007-02-06 Dbs Communications, Inc. Service detail record application and system
US7548152B2 (en) * 2004-10-08 2009-06-16 Entrust Limited RFID transponder information security methods systems and devices
US7610631B2 (en) * 2004-11-15 2009-10-27 Alexander Frank Method and apparatus for provisioning software
US10134202B2 (en) * 2004-11-17 2018-11-20 Paypal, Inc. Automatic address validation
AU2005318933B2 (en) * 2004-12-21 2011-04-14 Emue Holdings Pty Ltd Authentication device and/or method
US20060217111A1 (en) * 2005-02-11 2006-09-28 Sunil Marolia Network for customer care and distribution of firmware and software updates
FI20050384A0 (en) * 2005-04-14 2005-04-14 Nokia Corp Use of generic authentication architecture for distribution of Internet protocol keys in mobile terminals
US8078867B2 (en) 2005-08-12 2011-12-13 Research In Motion Limited System and method for authenticating streamed data
US20070063024A1 (en) 2005-09-21 2007-03-22 Plastyc Inc. Dual macro- and micro-payment card system
US20070101122A1 (en) * 2005-09-23 2007-05-03 Yile Guo Method and apparatus for securely generating application session keys
US8788802B2 (en) 2005-09-29 2014-07-22 Qualcomm Incorporated Constrained cryptographic keys
KR101137340B1 (en) 2005-10-18 2012-04-19 엘지전자 주식회사 Method of Providing Security for Relay Station
US7626963B2 (en) * 2005-10-25 2009-12-01 Cisco Technology, Inc. EAP/SIM authentication for mobile IP to leverage GSM/SIM authentication infrastructure
WO2007087194A2 (en) * 2006-01-20 2007-08-02 Glenbrook Associates, Inc. System and method for the automated processing of physical objects
US8567669B2 (en) * 2006-02-24 2013-10-29 Fair Isaac Corporation Method and apparatus for a merchant profile builder
US20090235065A1 (en) * 2006-03-21 2009-09-17 Andreas Nilsson Method for automatic encryption and decryption of electronic communication
US7751810B1 (en) * 2006-03-21 2010-07-06 Nextel Communications Inc. System and method for transmitting information to subscriber communication units at events
US8627092B2 (en) * 2006-03-22 2014-01-07 Lg Electronics Inc. Asymmetric cryptography for wireless systems
US7936878B2 (en) * 2006-04-10 2011-05-03 Honeywell International Inc. Secure wireless instrumentation network system
US20070256124A1 (en) * 2006-04-13 2007-11-01 Go Play Network, Inc. Collectible token data management
US7562813B2 (en) 2006-05-10 2009-07-21 First Data Corporation System and method for activating telephone-based payment instrument
CA2550698A1 (en) * 2006-06-19 2007-12-19 Daniel Mccann Method and apparatus for encryption and pass-through handling of confidential information in software applications
EP1873960B1 (en) * 2006-06-29 2013-06-05 Incard SA Method for session key derivation in a IC card
US20080006685A1 (en) * 2006-07-06 2008-01-10 Firethorn Holdings, Llc Methods and Systems For Real Time Account Balances in a Mobile Environment
DE102006038037A1 (en) 2006-08-14 2008-02-21 Siemens Ag Method and system for providing an access-specific key
US9240009B2 (en) * 2006-09-24 2016-01-19 Rich House Global Technology Ltd. Mobile devices for commerce over unsecured networks
US7761380B2 (en) 2006-09-28 2010-07-20 Verifi, Inc. System and method for authenticating a payment instrument transaction originating from a non-internet channel
US20080136592A1 (en) 2006-12-07 2008-06-12 Symbol Technologies, Inc. Rfid-based reminder service
US8583923B2 (en) 2006-12-08 2013-11-12 Toshiba America Research, Inc. EAP method for EAP extension (EAP-EXT)
JP4081724B1 (en) 2006-12-27 2008-04-30 日本電気株式会社 Client terminal, relay server, communication system, and communication method
US20090006262A1 (en) 2006-12-30 2009-01-01 Brown Kerry D Financial transaction payment processor
US20080235513A1 (en) * 2007-03-19 2008-09-25 Microsoft Corporation Three Party Authentication
US20080257952A1 (en) 2007-04-18 2008-10-23 Andre Luis Zandonadi System and Method for Conducting Commercial Transactions
EP3457451B1 (en) 2007-04-30 2019-07-17 Novaled GmbH The use of oxocarbon, pseudooxocarbon and radialene compounds
US8725638B2 (en) 2007-05-18 2014-05-13 Visa U.S.A. Inc. Method and system for payment authorization and card presentation using pre-issued identities
US8489740B2 (en) 2007-05-18 2013-07-16 Red Hat, Inc. Method and an apparatus to generate message authentication codes at a proxy server for validating a web session
US10482081B2 (en) 2007-06-04 2019-11-19 Bce Inc. Methods and systems for validating online transactions using location information
US8345604B2 (en) 2007-06-07 2013-01-01 Qualcomm Incorporated Effectuating establishment of internet protocol security tunnels for utilization in a wireless communication environment
US20080303665A1 (en) 2007-06-08 2008-12-11 Bilcare, Inc. Package-companion-user interactive system and associated method
US8099363B1 (en) 2007-06-30 2012-01-17 Michael W. Kilchenstein, Jr. Methods and systems for processing card-not-present financial transactions as card-present financial transactions
KR100958108B1 (en) 2007-11-12 2010-05-17 한국전자통신연구원 Method and apparatus for protecting illegal program copy of mobile communication terminals
US8812401B2 (en) 2007-11-20 2014-08-19 Propay Usa Inc. Secure payment capture processes
US8495375B2 (en) 2007-12-21 2013-07-23 Research In Motion Limited Methods and systems for secure channel initialization
US20120296824A1 (en) * 2007-12-28 2012-11-22 Rosano Sharon A Systems and methods for correction of information in card-not-present account-on-file transactions
US7802720B2 (en) 2008-01-04 2010-09-28 Intuit Inc. Method and system for performing a card-present transaction using image capture on a portable device
US11159909B2 (en) 2008-02-05 2021-10-26 Victor Thomas Anderson Wireless location establishing device
US8219558B1 (en) * 2008-04-25 2012-07-10 David Scott Trandal Methods and systems for inventory management
CA2630388A1 (en) 2008-05-05 2009-11-05 Nima Sharifmehr Apparatus and method to prevent man in the middle attack
US8578153B2 (en) * 2008-10-28 2013-11-05 Telefonaktiebolaget L M Ericsson (Publ) Method and arrangement for provisioning and managing a device
US8644514B2 (en) 2008-10-31 2014-02-04 Nokia Siemens Networks Oy Security model for a relay network system
US8146798B2 (en) 2008-11-07 2012-04-03 Advanced Custom Engineered Systems & Equipment Co. Method and apparatus for monitoring waste removal and administration
US8135964B2 (en) * 2008-12-09 2012-03-13 Nvidia Corporation Apparatus, system, method, and computer program product for executing a program utilizing a processor to generate keys for decrypting content
US8874701B2 (en) 2008-12-22 2014-10-28 Sap Se On-demand provisioning of services running on embedded devices
GB0901407D0 (en) 2009-01-28 2009-03-11 Validsoft Uk Ltd Card false-positive prevention
US20100199341A1 (en) * 2009-02-02 2010-08-05 Telefonaktiebolaget Lm Ericsson (Publ) Methods, Subscriber Server, and User Equipment for Facilitating Service Provision
US20100235286A1 (en) * 2009-03-13 2010-09-16 Gidah, Inc. Method and system for generating tokens in a transaction handling system
US8521821B2 (en) 2009-03-17 2013-08-27 Brigham Young University Encrypted email based upon trusted overlays
GB0904874D0 (en) 2009-03-20 2009-05-06 Validsoft Uk Ltd Smartcard security system
US20100274691A1 (en) 2009-04-28 2010-10-28 Ayman Hammad Multi alerts based system
CA2760769A1 (en) 2009-05-04 2010-11-11 Visa International Service Association Determining targeted incentives based on consumer transaction history
US8725122B2 (en) * 2009-05-13 2014-05-13 First Data Corporation Systems and methods for providing trusted service management services
US9471920B2 (en) 2009-05-15 2016-10-18 Idm Global, Inc. Transaction assessment and/or authentication
US8571995B2 (en) 2009-06-02 2013-10-29 Voltage Security, Inc. Purchase transaction system with encrypted payment card data
US20110004653A1 (en) * 2009-07-06 2011-01-06 Barry Richard Cavill Method for activation of a media processing device to a web server
CA2804455C (en) 2009-07-07 2018-05-29 Finsphere Corporation Mobile directory number and email verification of financial transactions
US20110047072A1 (en) 2009-08-07 2011-02-24 Visa U.S.A. Inc. Systems and Methods for Propensity Analysis and Validation
US20110047075A1 (en) 2009-08-19 2011-02-24 Mastercard International Incorporated Location controls on payment card transactions
US20110087547A1 (en) 2009-10-09 2011-04-14 Visa U.S.A. Systems and Methods for Advertising Services Based on a Local Profile
WO2011047028A2 (en) 2009-10-13 2011-04-21 Square, Inc. Systems and methods for financial transaction through miniaturized card reader
US8595058B2 (en) * 2009-10-15 2013-11-26 Visa U.S.A. Systems and methods to match identifiers
US8413894B2 (en) 2009-11-05 2013-04-09 X-Card Holdings, Llc Card with illuminated codes for use in secure transactions
US8386381B1 (en) 2009-12-16 2013-02-26 Jpmorgan Chase Bank, N.A. Method and system for detecting, monitoring and addressing data compromises
CA2694500C (en) 2010-02-24 2015-07-07 Diversinet Corp. Method and system for secure communication
US9280768B2 (en) 2010-03-17 2016-03-08 Verifone, Inc. Payment systems and methodologies
US8626663B2 (en) 2010-03-23 2014-01-07 Visa International Service Association Merchant fraud risk score
CA2697687C (en) 2010-03-24 2014-02-18 Diversinet Corp. Method and system for secure communication using hash-based message authentication codes
CA2791998A1 (en) 2010-04-23 2011-10-27 Visa U.S.A. Inc. Systems and methods to provide data services
FR2959896B1 (en) * 2010-05-06 2014-03-21 4G Secure METHOD FOR AUTHENTICATING A USER REQUIRING A TRANSACTION WITH A SERVICE PROVIDER
US9294506B2 (en) 2010-05-17 2016-03-22 Certes Networks, Inc. Method and apparatus for security encapsulating IP datagrams
US20110288918A1 (en) 2010-05-24 2011-11-24 Karen Louise Cervenka Systems and Methods for Redemption of Offers
US8554653B2 (en) 2010-07-22 2013-10-08 Visa International Service Association Systems and methods to identify payment accounts having business spending activities
US20120028609A1 (en) * 2010-07-27 2012-02-02 John Hruska Secure financial transaction system using a registered mobile device
US9558481B2 (en) * 2010-09-28 2017-01-31 Barclays Bank Plc Secure account provisioning
US10193873B2 (en) * 2010-09-30 2019-01-29 Comcast Cable Communications, Llc Key derivation for secure communications
US9723481B2 (en) * 2010-10-29 2017-08-01 Apple Inc. Access data provisioning apparatus and methods
US8335921B2 (en) 2010-12-17 2012-12-18 Google, Inc. Writing application data to a secure element
US9191813B2 (en) 2010-12-30 2015-11-17 Mozido Corfire—Korea, Ltd. System and method for managing OTA provisioning applications through use of profiles and data preparation
US20120197802A1 (en) 2011-01-28 2012-08-02 Janet Smith Method and system for determining fraud in a card-not-present transaction
US20120203698A1 (en) * 2011-02-07 2012-08-09 Dustin Duncan Method and System for Fraud Detection and Notification
US20120215610A1 (en) 2011-02-23 2012-08-23 Visa International Service Association Systems and Methods to Facilitate Offer Sharing
US10438299B2 (en) * 2011-03-15 2019-10-08 Visa International Service Association Systems and methods to combine transaction terminal location data and social networking check-in
EP2686818A4 (en) * 2011-03-18 2014-11-26 Mastercard International Inc Methods and systems for electronic commerce verification
US20120296741A1 (en) 2011-05-19 2012-11-22 Verifone, Inc. Cloud based electronic wallet
US9106633B2 (en) 2011-05-26 2015-08-11 First Data Corporation Systems and methods for authenticating mobile device communications
US8918855B2 (en) * 2011-12-09 2014-12-23 Blackberry Limited Transaction provisioning for mobile wireless communications devices and related methods
US8612771B2 (en) 2012-01-06 2013-12-17 Netflix, Inc. Verifying authenticity of playback device
US10455071B2 (en) * 2012-05-09 2019-10-22 Sprint Communications Company L.P. Self-identification of brand and branded firmware installation in a generic electronic device
WO2014186635A1 (en) * 2013-05-15 2014-11-20 Visa International Service Association Mobile tokenization hub

Patent Citations (19)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6282294B1 (en) * 1998-01-07 2001-08-28 Microsoft Corporation System for broadcasting to, and programming, a motor device in a protocol, device, and network independent fashion
US6411941B1 (en) * 1998-05-21 2002-06-25 Beeble, Inc. Method of restricting software operation within a license limitation
US20030060189A1 (en) * 2001-08-15 2003-03-27 Brian Minear Test enabled application execution
US7418596B1 (en) * 2002-03-26 2008-08-26 Cellco Partnership Secure, efficient, and mutually authenticated cryptographic key distribution
US20040146163A1 (en) * 2002-10-28 2004-07-29 Nokia Corporation Device keys
US20090068988A1 (en) * 2006-03-16 2009-03-12 Cofta Piotr L Sim based authentication
US8761401B2 (en) * 2006-08-28 2014-06-24 Motorola Mobility Llc System and method for secure key distribution to manufactured products
US20080170693A1 (en) * 2007-01-16 2008-07-17 Terence Spies Format-preserving cryptographic systems
US8750796B2 (en) * 2007-05-17 2014-06-10 Abbott Medical Optics Inc. Exclusive pairing technique for short-range communication devices
US8908870B2 (en) * 2007-11-01 2014-12-09 Infineon Technologies Ag Method and system for transferring information to a device
US20090144205A1 (en) * 2007-11-29 2009-06-04 Visa Usa, Inc. Serial number and payment data based payment card processing
US20110185178A1 (en) * 2008-03-31 2011-07-28 Compugroup Holding Ag Communication method of an electronic health insurance card with a reading device
US20100192220A1 (en) * 2008-09-08 2010-07-29 Robin Heizmann Apparatuses, methods and systems for providing a virtual development and deployment environment including real and synthetic data
US8369521B2 (en) * 2008-10-17 2013-02-05 Oracle International Corporation Smart card based encryption key and password generation and management
US8689012B1 (en) * 2008-10-17 2014-04-01 Sprint Communications Company L.P. Diagnostics for secure elements in a mobile device
US20100153709A1 (en) * 2008-12-10 2010-06-17 Qualcomm Incorporated Trust Establishment From Forward Link Only To Non-Forward Link Only Devices
US8560851B1 (en) * 2009-05-15 2013-10-15 Sprint Communications Company L.P. Managing digital certificates
US9105027B2 (en) * 2009-05-15 2015-08-11 Visa International Service Association Verification of portable consumer device for secure services
US20130163764A1 (en) * 2011-03-28 2013-06-27 Nxp B.V. Secure dynamic on chip key programming

Cited By (16)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9059980B2 (en) 2011-05-26 2015-06-16 First Data Corporation Systems and methods for authenticating mobile devices
US9106633B2 (en) 2011-05-26 2015-08-11 First Data Corporation Systems and methods for authenticating mobile device communications
US9106632B2 (en) 2011-05-26 2015-08-11 First Data Corporation Provisioning by delivered items
US9154477B2 (en) 2011-05-26 2015-10-06 First Data Corporation Systems and methods for encrypting mobile device communications
US9331996B2 (en) 2011-05-26 2016-05-03 First Data Corporation Systems and methods for identifying devices by a trusted service manager
US20140281504A1 (en) * 2013-03-18 2014-09-18 International Business Machines Corporation Authorizing Use Of A Test Key Signed Build
US9160542B2 (en) * 2013-03-18 2015-10-13 Lenovo Enterprise Solutions (Singapore) Pte. Ltd. Authorizing use of a test key signed build
WO2016037701A1 (en) * 2014-09-11 2016-03-17 Giesecke & Devrient Gmbh Method and devices for testing a mobile terminal having a security element
US20160125203A1 (en) * 2014-10-31 2016-05-05 Xiaomi Inc. Method and apparatus of verifying terminal and medium
US10019604B2 (en) * 2014-10-31 2018-07-10 Xiaomi Inc. Method and apparatus of verifying terminal and medium
US10353806B1 (en) 2015-12-07 2019-07-16 Mx Technologies, Inc. Multi-platform testing automation
US10909027B1 (en) 2015-12-07 2021-02-02 Mx Technologies, Inc. Multi-platform testing automation
US11080170B1 (en) 2015-12-07 2021-08-03 Mx Technologies, Inc. Multi-platform testing automation
US11093373B1 (en) 2015-12-07 2021-08-17 Mx Technologies, Inc. Multi-platform testing automation
US11188452B1 (en) 2015-12-07 2021-11-30 Mx Technologies, Inc. Multi-platform testing automation
US11194698B1 (en) 2015-12-07 2021-12-07 Mx Technologies, Inc. Multi-platform testing automation

Also Published As

Publication number Publication date
US9154477B2 (en) 2015-10-06
US8775305B2 (en) 2014-07-08
US8752127B2 (en) 2014-06-10
US20120304255A1 (en) 2012-11-29
US20140237551A1 (en) 2014-08-21
US20120304254A1 (en) 2012-11-29
US20120300932A1 (en) 2012-11-29
US9059980B2 (en) 2015-06-16
US20120303961A1 (en) 2012-11-29
US20120303496A1 (en) 2012-11-29
US9331996B2 (en) 2016-05-03
US9106632B2 (en) 2015-08-11
US20120300938A1 (en) 2012-11-29
US20120303503A1 (en) 2012-11-29
US20120317019A1 (en) 2012-12-13
US8880886B2 (en) 2014-11-04
US9106633B2 (en) 2015-08-11

Similar Documents

Publication Publication Date Title
US20120303310A1 (en) Systems and Methods for Providing Test Keys to Mobile Devices
US9647903B2 (en) Systems and methods for providing trusted service management services
JP7043701B2 (en) Systems and methods to first establish and regularly check the trust of software applications
KR101514754B1 (en) System and method for provisioning over the air of confidential information on mobile communicative devices with non-uicc secure elements
US20120266220A1 (en) System and Method for Controlling Access to a Third-Party Application with Passwords Stored in a Secure Element
EP2624612B1 (en) A method for near field communication operation, a device and a system thereto
EP2308014A1 (en) Trusted service manager (tsm) architectures and methods
US10567959B2 (en) System and method for managing application data of contactless card applications
CN107332817B (en) Mobile device supporting multiple access control clients and corresponding method
US9836618B2 (en) System and method of authentication of a first party respective of a second party aided by a third party
CN110636491A (en) Service-oriented trusted execution module and communication method
US10318951B2 (en) Transaction management
US10939297B1 (en) Secure unlock of mobile phone
AU2014200310B2 (en) Systems and methods for providing trusted service management services
AU2016203394B2 (en) Systems and methods for providing trusted service management services
US10798574B1 (en) Mobile communication device certification framework

Legal Events

Date Code Title Description
AS Assignment

Owner name: FIRST DATA CORPORATION, COLORADO

Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:MUSFELDT, ROGER LYNN;REEL/FRAME:028337/0505

Effective date: 20120524

AS Assignment

Owner name: CREDIT SUISSE AG, CAYMAN ISLANDS BRANCH, NEW YORK

Free format text: SECURITY AGREEMENT;ASSIGNORS:FIRST DATA CORPORATION;CLOVER NETWORKS, INC.;MONEY NETWORK FINANCIAL, LLC;REEL/FRAME:030080/0531

Effective date: 20130320

AS Assignment

Owner name: WELLS FARGO BANK, NATIONAL ASSOCIATION, AS COLLATERAL AGENT, UNITED STATES

Free format text: SECURITY INTEREST;ASSIGNOR:FIRST DATA CORPORATION;REEL/FRAME:036656/0224

Effective date: 20150811

Owner name: WELLS FARGO BANK, NATIONAL ASSOCIATION, AS COLLATE

Free format text: SECURITY INTEREST;ASSIGNOR:FIRST DATA CORPORATION;REEL/FRAME:036656/0224

Effective date: 20150811

STCB Information on status: application discontinuation

Free format text: ABANDONED -- FAILURE TO RESPOND TO AN OFFICE ACTION

AS Assignment

Owner name: FIRST DATA CORPORATION, COLORADO

Free format text: RELEASE BY SECURED PARTY;ASSIGNOR:CREDIT SUISSE AG, CAYMAN ISLANDS BRANCH;REEL/FRAME:049899/0001

Effective date: 20190729

Owner name: CLOVER NETWORK, INC., CALIFORNIA

Free format text: RELEASE BY SECURED PARTY;ASSIGNOR:CREDIT SUISSE AG, CAYMAN ISLANDS BRANCH;REEL/FRAME:049899/0001

Effective date: 20190729

Owner name: MONEY NETWORK FINANCIAL, LLC, COLORADO

Free format text: RELEASE BY SECURED PARTY;ASSIGNOR:CREDIT SUISSE AG, CAYMAN ISLANDS BRANCH;REEL/FRAME:049899/0001

Effective date: 20190729

AS Assignment

Owner name: FIRST DATA CORPORATION, NEW YORK

Free format text: TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENT RIGHTS;ASSIGNOR:WELLS FARGO BANK, NATIONAL ASSOCIATION;REEL/FRAME:050094/0455

Effective date: 20190729