Patents by Inventor Xiangzhen Xie
Xiangzhen Xie 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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Publication number: 20210264405Abstract: Techniques for mobile devices configured to support settlement of charges in electronic invoices or bills are described. A first mobile device is used to obtain from a second mobile device data pertaining to the electronic invoices for payment. The data includes the electronic invoice and other information regarding a registered user of the second mobile device. After the user verifies the amount being charged and authorizes the payment, the first mobile device determines if there is a balance enough to cover the authorized payment before communicating with a payment server configured to proceed with the payment and send a confirmation to the second mobile device.Type: ApplicationFiled: May 10, 2021Publication date: August 26, 2021Inventors: Xiangzhen Xie, Liang Seng Koh, Hsin Pan
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Patent number: 11018724Abstract: Techniques for mobile devices configured to support or function as multiple contactless cards, such as Mifare contactless cards, are disclosed. According to one embodiment, a mobile device embedded with an emulator is loaded with a plurality of software modules or applications, each emulating one card or one type of contactless cards. An emulator is implemented in a secure element that is personalized for a user of the mobile device while the applications are respectively provisioned via their respective providers per the personalized secure element. When the mobile device is to be used as a contactless card to perform a monetary function, a corresponding application is loaded into and executed in the emulator. When the mobile device is to be used to perform another monetary function, a corresponding application is loaded into the emulator to replace the previous application entirely or partially in the emulator.Type: GrantFiled: March 1, 2013Date of Patent: May 25, 2021Assignee: RFCyber Corp.Inventors: Xiangzhen Xie, Liang Seng Koh, Hsin Pan
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Patent number: 11004061Abstract: Techniques for mobile devices configured to support settlement of charges in electronic invoices or bills are described. A first mobile device is used to obtain from a second mobile device data pertaining to the electronic invoices for payment. The data includes the electronic invoice and other information regarding a registered user of the second mobile device. After the user verifies the amount being charged and authorizes the payment, the first mobile device determines if there is a balance enough to cover the authorized payment before communicating with a payment server configured to proceed with the payment and send a confirmation to the second mobile device.Type: GrantFiled: March 23, 2020Date of Patent: May 11, 2021Assignee: RFCyber CorporationInventors: Xiangzhen Xie, Liang Seng Koh, Hsin Pan
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Publication number: 20200250652Abstract: Techniques for mobile devices configured to support settlement of charges in electronic invoices or bills are described. A first mobile device is used to obtain from a second mobile device data pertaining to the electronic invoices for payment. The data includes the electronic invoice and other information regarding a registered user of the second mobile device. After the user verifies the amount being charged and authorizes the payment, the first mobile device determines if there is a balance enough to cover the authorized payment before communicating with a payment server configured to proceed with the payment and send a confirmation to the second mobile device.Type: ApplicationFiled: March 23, 2020Publication date: August 6, 2020Inventors: Xiangzhen Xie, Liang Seng Koh, Hsin Pan
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Patent number: 10600046Abstract: Techniques for mobile devices configured to support settlement of charges in electronic invoices or bills are described. An NFC mobile device is used to read off from a POS device data pertaining to the electronic invoices for payment. The data includes the electronic invoice and other information regarding a registered user of the POS device or an owner thereof is. After the user verifies the amount being charged and authorizes the payment, the NFC mobile device communicates with a payment gateway or network for payment that is configured to proceed with the payment in accordance with a chosen payment methods.Type: GrantFiled: June 2, 2015Date of Patent: March 24, 2020Assignee: RFCyber CorporationInventors: Xiangzhen Xie, Liang Seng Koh, Hsin Pan
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Publication number: 20190172062Abstract: Techniques for personalizing secure elements in mobile devices to enable various secure transactions over a network (wired and/or wireless network) are disclosed. With a personalized secure element (hence secured element) in place, techniques for provisioning various applications or services are also provided. Interactions among different parties are managed to effectuate a personalization or provisioning process flawlessly to enable a mobile device for a user thereof to start enjoying the convenience of commerce over a data network with minimum effort.Type: ApplicationFiled: December 28, 2018Publication date: June 6, 2019Inventors: Liang Seng Koh, Hsin Pan, Xiangzhen Xie
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Patent number: 10210516Abstract: Techniques for managing modules or applications installed in a mobile device are described. To provide authentic and secured transactions with another device, each of the installed applications is provisioned with a server through data communication capability in a mobile device. A provisioned application is associated with the personalized secure element in the mobile device and works with a set of keys that are generated in accordance with a set of keys from the personalized secure element. Further management of controlling an installed application is also described.Type: GrantFiled: January 19, 2016Date of Patent: February 19, 2019Assignee: RFCyber Corp.Inventors: Liang Seng Koh, Hsin Pan, Xiangzhen Xie
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Publication number: 20170068947Abstract: Techniques for mobile devices configured to support settlement of charges in electronic invoices or bills are described. A mobile device is used to read off from another mobile device data pertaining to an electronic invoice for payment. The data includes the electronic invoice and other information regarding a designated account to receive the payment. A request is sent to a third party authorized to deduct an amount related to the invoice from one account to another account. The settlement is considered complete when both devices receive a notification from the third party.Type: ApplicationFiled: November 16, 2016Publication date: March 9, 2017Inventors: Xiangzhen Xie, Liang Seng Koh, Hsin Pan
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Publication number: 20160275504Abstract: Techniques for managing modules or applications installed in a mobile device are described. To provide authentic and secured transactions with another device, each of the installed applications is provisioned with a server through data communication capability in a mobile device. A provisioned application is associated with the personalized secure element in the mobile device and works with a set of keys that are generated in accordance with a set of keys from the personalized secure element. Further management of controlling an installed application is also described.Type: ApplicationFiled: January 19, 2016Publication date: September 22, 2016Inventors: Liang Seng Koh, Hsin Pan, Xiangzhen Xie
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Patent number: 9240009Abstract: Techniques for managing modules or applications installed in a mobile device are described. To provide authentic and secured transactions with another device, each of the installed applications is provisioned with a server through data communication capability in a mobile device. A provisioned application is associated with the personalized secure element in the mobile device and works with a set of keys that are generated in accordance with a set of keys from the personalized secure element. Further management of controlling an installed application is also described.Type: GrantFiled: January 16, 2012Date of Patent: January 19, 2016Assignees: Rich House Global Technology Ltd., RFCyber Corp.Inventors: Liang Seng Koh, Hsin Pan, Xiangzhen Xie
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Publication number: 20150310421Abstract: Techniques for completing a financial transaction without deploying merchant POS are described. According to one aspect of the present invention, a user or buyer uses his/her smartphone to complete a monetary transaction with a seller, where the seller does not have a POS device instead receives a conformation from a designated party that a payment from the buyer has been received. A platform is described to support such transactions.Type: ApplicationFiled: April 23, 2015Publication date: October 29, 2015Inventors: Xiangzhen Xie, Hsin Pan
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Publication number: 20150278800Abstract: Techniques for mobile devices configured to support settlement of charges in electronic invoices or bills are described. An NFC mobile device is used to read off from a POS device data pertaining to the electronic invoices for payment. The data includes the electronic invoice and other information regarding a registered user of the POS device or an owner thereof is. After the user verifies the amount being charged and authorizes the payment, the NFC mobile device communicates with a payment gateway or network for payment that is configured to proceed with the payment in accordance with a chosen payment methods.Type: ApplicationFiled: June 2, 2015Publication date: October 1, 2015Inventors: Xiangzhen Xie, Liang Seng Koh, Hsin Pan
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Patent number: 9047601Abstract: Techniques for mobile devices configured to support settlement of charges in electronic invoices or bills are described. A mobile device embedded with a secure element generates or is loaded with an electronic invoice. When the mobile device is brought to a consumer with an NFC mobile device, the data including the electronic invoice and other information regarding the mobile device or an owner thereof is read off wirelessly into the NFC mobile device. After the user verifies the amount being charged and authorizes the payment, the NFC mobile device communicates with a payment gateway or network for payment that is configured to proceed with the payment in accordance with a chosen payment methods.Type: GrantFiled: March 29, 2013Date of Patent: June 2, 2015Assignee: RFCyber CorprationInventors: Xiangzhen Xie, Liang Seng Koh, Hsin Pan
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Publication number: 20140031024Abstract: Techniques for realizing or providing controllable trusted service management are disclosed. The techniques are related to empowering a service provider with application provisioning and applet and secure element (SE) management capabilities. A service management module, herein referred to as Controllable TSM or CTSM, is provided to a service provider to provision certain applications distributed through the service provider. A system or platform contemplated in this invention allows a service provider to operate under a supplementary security domain (SSD) installed by an SE issuer or an updated SSD key set exclusively known to the service provider. Such a platform is designed to support embedded SE (eSE) and can be extended to support UICC-based SE. With the CTSM, a service provider can use the SSD to personalize applets installed on each SE securely and independently.Type: ApplicationFiled: September 25, 2013Publication date: January 30, 2014Applicant: RFCyber CorporationInventors: Xiangzhen Xie, Liang Seng Koh, Hsin Pan
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Publication number: 20120130838Abstract: Techniques for personalizing secure elements in NFC devices to enable various secure transactions over a network (wired and/or wireless network) are disclosed. With a personalized secure element (hence secured element) in place, techniques for provisioning various applications or services are also provided. Interactions among different parties are managed to effectuate a personalization or provisioning process flawlessly to enable an NFC device for a user thereof to start enjoying the convenience of commerce over a data network with minimum effort.Type: ApplicationFiled: January 16, 2012Publication date: May 24, 2012Inventors: Liang Seng Koh, Hsin Pan, Xiangzhen Xie
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Publication number: 20120130839Abstract: Techniques for managing modules or applications installed in a mobile device are described. To provide authentic and secured transactions with another device, each of the installed applications is provisioned with a server through data communication capability in a mobile device. A provisioned application is associated with the personalized secure element in the mobile device and works with a set of keys that are generated in accordance with a set of keys from the personalized secure element. Further management of controlling an installed application is also described.Type: ApplicationFiled: January 16, 2012Publication date: May 24, 2012Inventors: Liang Seng Koh, Hsin Pan, Xiangzhen Xie
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Publication number: 20120129452Abstract: Techniques for personalizing secure elements in NFC devices to enable various secure transactions over a network (wired and/or wireless network) are disclosed. With a personalized secure element (hence secured element) in place, techniques for provisioning various applications or services are also provided. Interactions among different parties are managed to effectuate a personalization or provisioning process flawlessly to enable an NFC device for a user thereof to start enjoying the convenience of commerce over a data network with minimum effort.Type: ApplicationFiled: January 16, 2012Publication date: May 24, 2012Inventors: Liang Seng Koh, Hsin Pan, Xiangzhen Xie