Patents by Inventor Hao Ngo
Hao Ngo has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 9286604Abstract: Systems, apparatus, and methods for managing a payment application installed on a mobile device, such as a mobile phone are provided. An Issuer of a payment device can remotely control the payment application by instructing a wireless network carrier or operator to transmit a message to the mobile phone, where the message contains an instruction to perform an operation related to the payment application. The Issuer can remotely reset a counter or a password associated with the payment application, lock or unlock a payment application, and set the access control data to a predetermined value, to prevent unauthorized use of the payment application in the situation in which the mobile phone is lost or stolen, or the Issuer desires to limit access to the payment application for other reasons, such as limiting its exposure to unauthorized uses of the payment device.Type: GrantFiled: September 21, 2009Date of Patent: March 15, 2016Assignee: Visa International Service AssociationInventors: Christian Aabye, Olivier Brand, Mike Lindelsee, Joseph J. Mirizzi, Hao Ngo, Lauren White, David William Wilson
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Publication number: 20150379503Abstract: Devices, systems, and methods for controlling a contactless interface on a dual interface portable device are provided. The methods allow for contactless enablement and disablement on both a temporary and semi-permanent basis, dependent on commands sent to the device by an issuer of the portable device. The commands are received through a terminal device and are transferred to the portable device during a contact transaction. Configuration data on the portable device is modified according to the received commands. An application on the portable device controls the transmission of data through the contactless interface dependent on the configuration data.Type: ApplicationFiled: September 4, 2015Publication date: December 31, 2015Inventors: David William Wilson, Omar Rifaat, Hao Ngo
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Patent number: 9160416Abstract: Devices, systems, and methods for controlling a contactless interface on a dual interface portable device are provided. The methods allow for contactless enablement and disablement on both a temporary and semi-permanent basis, dependent on commands sent to the device by an issuer of the portable device. The commands are received through a terminal device and are transferred to the portable device during a contact transaction. Configuration data on the portable device is modified according to the received commands. An application on the portable device controls the transmission of data through the contactless interface dependent on the configuration data.Type: GrantFiled: November 26, 2012Date of Patent: October 13, 2015Assignee: Visa International Service AssociationInventors: David William Wilson, Omar Rifaat, Hao Ngo
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Publication number: 20150213560Abstract: A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. An account holder is enabled to generate transaction related data and append that data to a transaction record or transaction identifier. The appended data and transaction record or identifier may be stored in the mobile payment device and/or provided to an Issuer. If provided to an Issuer, the transaction related data generated by the account holder may be used to supplement an account statement. The additional information generated by the account holder may be used to assist the account holder in determining if a transaction is valid by providing information that helps the account holder to recall the location or other aspect of the transaction.Type: ApplicationFiled: January 29, 2015Publication date: July 30, 2015Inventors: Christian Aabye, Hao Ngo, David William Wilson, Guido Mangiagalli
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Patent number: 9092769Abstract: An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.Type: GrantFiled: October 24, 2012Date of Patent: July 28, 2015Assignee: Visa International Service AssociationInventors: Oleg Makhotin, Trudy Hill, Erick Wong, Oleg Makarenko, Hao Ngo, Christian Aabye, William Alexander Thaw
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Publication number: 20150178724Abstract: Techniques for enhancing the security of a communication device when conducting a transaction using the communication device may include encrypting account information with a first encryption key to generate a second encryption key, and encrypting key index information using the second key to generate a limited-use key (LUK). The key index information may include a key index having information pertaining to generation of the LUK. The LUK and the key index can be provided to the communication device to facilitate generation of a transaction cryptogram for a transaction conducted using the communication device, and the transaction can be authorized based on the transaction cryptogram generated from the LUK.Type: ApplicationFiled: December 19, 2014Publication date: June 25, 2015Inventors: Hao Ngo, Christian Aabye, John Sheets, Oleg Makhotin
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Publication number: 20150149270Abstract: An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.Type: ApplicationFiled: January 30, 2015Publication date: May 28, 2015Inventors: Oleg Makhotin, Trudy Hill, Erick Wong, Oleg Makarenko, Hao Ngo, Christian Aabye, William Alexander Thaw
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Publication number: 20150073996Abstract: Embodiments of the present invention are directed to systems and methods for providing a central entity that can provision mobile payment applications on mobile communication devices and personalize the mobile payment applications with consumer and account information. The personalization of the mobile payment application on the mobile communication device may include provisioning a payment account on the mobile payment application. The central entity may provision the account on the mobile payment application without interacting with the issuer during the provisioning of the account. The central entity may provision the account on the mobile communication device by decrypting, using a secure element key, encrypted payment account information received from the mobile communication device. The payment account information may be encrypted by a secure element of the mobile communication device using the same secure element key.Type: ApplicationFiled: September 9, 2014Publication date: March 12, 2015Inventors: Oleg Makhotin, Hao Ngo, Christian Aabye, Kiushan Pirzadeh
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Patent number: 8977567Abstract: A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. An account holder is enabled to generate transaction related data and append that data to a transaction record or transaction identifier. The appended data and transaction record or identifier may be stored in the mobile payment device and/or provided to an Issuer. If provided to an Issuer, the transaction related data generated by the account holder may be used to supplement an account statement. The additional information generated by the account holder may be used to assist the account holder in determining if a transaction is valid by providing information that helps the account holder to recall the location or other aspect of the transaction.Type: GrantFiled: September 21, 2009Date of Patent: March 10, 2015Assignee: Visa International Service AssociationInventors: Christian Aabye, Hao Ngo, David William Wilson, Guido Mangiagalli
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Publication number: 20130078921Abstract: Devices, systems, and methods for controlling a contactless interface on a dual interface portable device are provided. The methods allow for contactless enablement and disablement on both a temporary and semi-permanent basis, dependent on commands sent to the device by an issuer of the portable device. The commands are received through a terminal device and are transferred to the portable device during a contact transaction. Configuration data on the portable device is modified according to the received commands. An application on the portable device controls the transmission of data through the contactless interface dependent on the configuration data.Type: ApplicationFiled: November 26, 2012Publication date: March 28, 2013Inventors: David William Wilson, Omar Rifaat, Hao Ngo
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Publication number: 20130060706Abstract: A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. The invention enables the updating, correction or synchronization of transaction data maintained by an Issuer with that stored on the device. This is accomplished by using a wireless (cellular) network as a data communication channel for data provided by an Issuer to the mobile device, and is particularly advantageous in circumstances in which the contactless element is not presently capable of communication with a device reader or point of sale terminal that uses a near field communications mechanism. Data transferred between the mobile device and Issuer may be encrypted and decrypted to provide additional security and protect the data from being accessed by other users or applications.Type: ApplicationFiled: October 29, 2012Publication date: March 7, 2013Inventors: Christian Aabye, Hao Ngo, David William Wilson, Gustavo Mariath Zeiden, Chris Pitchford, Kiushan Pirzadeh
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Publication number: 20130060647Abstract: A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. The invention enables the updating, correction or synchronization of transaction data maintained by an Issuer with that stored on the device. This is accomplished by using a wireless (cellular) network as a data communication channel for data provided by an Issuer to the mobile device, and is particularly advantageous in circumstances in which the contactless element is not presently capable of communication with a device reader or point of sale terminal that uses a near field communications mechanism. Data transferred between the mobile device and Issuer may be encrypted and decrypted to provide additional security and protect the data from being accessed by other users or applications.Type: ApplicationFiled: October 26, 2012Publication date: March 7, 2013Inventors: Christian Aabye, Hao Ngo, David William Wilson, Gustavo Mariath Zeiden, Chris Pitchford, Kiushan Pirzadeh
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Publication number: 20130046588Abstract: An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.Type: ApplicationFiled: October 24, 2012Publication date: February 21, 2013Inventors: Oleg Makhotin, Trudy Hill, Erick Wong, Oleg Makarenko, Hao Ngo, Christian Aabye, William Alexander Thaw
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Patent number: 8321345Abstract: An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.Type: GrantFiled: May 31, 2011Date of Patent: November 27, 2012Assignee: Visa International Service AssociationInventors: Oleg Makhotin, Trudy Hill, Erick Wong, Oleg Makarenko, Hao Ngo, Christian Aabye, William Alexander Thaw
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Patent number: 8320962Abstract: A method for controlling a contactless interface on a dual interface portable device are provided. The method allows for contactless enablement and disablement on both a temporary and semi-permanent basis, dependent on commands sent to the device by the issuer of the portable device. The commands are received through a terminal device and are transferred to the portable device during a contact transaction. Configuration data on the portable device is modified according to the received commands. An application on the portable device controls the transmission of data through the contactless interface dependent on the configuration data.Type: GrantFiled: April 27, 2010Date of Patent: November 27, 2012Assignee: Visa International Service AssociationInventors: Dave William Wilson, Omar Rifaat, Hao Ngo
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Publication number: 20120217201Abstract: A mixture for treating water in a biological water treatment process is provided comprising an organic-based flocculant, a micronutrient; and a polymer. The flocculant, the micronutrient and the polymer are mixed in a predetermined ratio to enhance said biological water treatment. The mixture is particularly suited to enhancing flocculation of particles, reducing fouling on a surface of a membrane in a membrane bioreactor, improving uptake of phosphorous and/or nitrogen by a biomass in a biological water treatment system, improving bioactivity of a biomass and/or floc in a biological water treatment system and improving flux in a membrane bioreactor.Type: ApplicationFiled: October 6, 2010Publication date: August 30, 2012Applicant: UNIVERSITY OF TECHNOLOGY, SYDNEYInventors: Huu Hao Ngo, Wenshan Guo
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Publication number: 20120022973Abstract: An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.Type: ApplicationFiled: May 31, 2011Publication date: January 26, 2012Inventors: Oleg Makhotin, Trudy Hill, Erick Wong, Oleg Makerenko, Hao Ngo, Christian Aabye, William Alexander Thaw
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Publication number: 20100311466Abstract: A method for controlling a contactless interface on a dual interface portable device are provided. The method allows for contactless enablement and disablement on both a temporary and semi-permanent basis, dependent on commands sent to the device by the issuer of the portable device. The commands are received through a terminal device and are transferred to the portable device during a contact transaction. Configuration data on the portable device is modified according to the received commands. An application on the portable device controls the transmission of data through the contactless interface dependent on the configuration data.Type: ApplicationFiled: April 27, 2010Publication date: December 9, 2010Inventors: David William Wilson, Omar Rifaat, Hao Ngo
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Publication number: 20100217709Abstract: A system, apparatus, and method for preventing the unauthorized access to a payment application installed on a mobile payment device, or to transaction data stored in the device. The mobile payment device may be a mobile phone that includes a contactless element (such as a contactless smart chip) and that is capable of communication and data transfer using a wireless communications network and a near field communications capability. Unauthorized access to the payment application is prevented by requiring that access control data be received from a trusted source, such as a controller or application in charge of managing inputs from a phone keypad, in order to activate the payment application or to access stored data.Type: ApplicationFiled: September 21, 2009Publication date: August 26, 2010Inventors: Christian Aabye, Hao Ngo, David William Wilson
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Publication number: 20100211507Abstract: A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. The invention enables the updating, correction or synchronization of transaction data maintained by an Issuer with that stored on the device. This is accomplished by using a wireless (cellular) network as a data communication channel for data provided by an Issuer to the mobile device, and is particularly advantageous in circumstances in which the contactless element is not presently capable of communication with a device reader or point of sale terminal that uses a near field communications mechanism. Data transferred between the mobile device and Issuer may be encrypted and decrypted to provide additional security and protect the data from being accessed by other users or applications.Type: ApplicationFiled: September 21, 2009Publication date: August 19, 2010Inventors: Christian Aabye, Hao Ngo, David William Wilson, Gustavo Mariath Zeiden, Chris Pitchford, Kiushan Pirzadeh