Andrew Jason Weinstein

US Patent:

20120123868, May 17, 2012

Filed:

Oct 21, 2011

Appl. No.:

13/279185

Inventors:

David Brudnicki - Duvall WA, US
Michael Craft - Carlsbad CA, US
Hans Reisgies - San Jose CA, US
Andrew Weinstein - San Francisco CA, US

International Classification:

G06Q 30/02

US Classification:

705 1458, 705 261

Abstract:

A system for dynamically adjusting the contactless data emulation used by a portable communication device based on its geo-location. The system determines a geo-location of the portable communication device by transmitting the current geo-location data using a most appropriate channel to a server; receiving data regarding payment systems potentially co-located with the portable communication device; and configuring a payment system in the portable communication device with the data formats and other contact-less point of sale data specific to payment system potentially co-located with the device. A method for dynamically adjusting the contactless data emulation used by a portable communication device based on its geo-location is also disclosed.

US Patent:

20120123935, May 17, 2012

Filed:

Oct 21, 2011

Appl. No.:

13/279206

Inventors:

David Brudnicki - Duvall WA, US
Michael Craft - Carlsbad CA, US
Hans Reisgies - San Jose CA, US
Andrew Weinstein - San Francisco CA, US

International Classification:

G06Q 20/36

US Classification:

705 41

Abstract:

Disclosed is as system and method for automatically selecting a credential among a plurality of credentials on a portable communication device based on a geo-location of the portable communication device and based on a user preference, for use in an electronic wallet transaction. The system includes a geo-location device configured to detect the geo-location of the portable communication device; a location identification service unit configured to be activated by a pre-determined user input, and configured to determine a merchant where the portable communication device is most likely to be located based on said geo-location, a storage means for storing preferences corresponding to the plurality of credentials; and means for automatically determining which of the plurality of credentials to use for the electronic wallet transaction based on the preferences.

US Patent:

20120124394, May 17, 2012

Filed:

Oct 21, 2011

Appl. No.:

13/279147

Inventors:

David Brudnicki - Duvall WA, US
Michael Craft - Carlsbad CA, US
Hans Reisgies - San Jose CA, US
Andrew Weinstein - San Francisco CA, US

International Classification:

G06F 12/14

US Classification:

713193

Abstract:

A system for providing a virtual secure element on a portable communication device having a secured element. The system comprising memory; a card management module operably associated with the secure element providing an application programming interface to the secure element and controlling writing to and reading from at least a portion of the memory; a virtual encryption key preferably stored within the secured element; and an encryption engine capable of encrypting data before its placed in the memory and decrypting that data using the virtual encryption key.

US Patent:

20120124658, May 17, 2012

Filed:

Oct 21, 2011

Appl. No.:

13/279184

Inventors:

David Brudnicki - Duvall WA, US
Michael Craft - Carlsbad CA, US
Hans Reisgies - San Jose CA, US
Andrew Weinstein - San Francisco CA, US

International Classification:

G06F 7/04

US Classification:

726 9

Abstract:

A system for providing an application associated with a portable communication device the ability to communicate via a secure element. The system has a digital identifier and digital token operably associated with the application; a card services module that provides an application programming interface to the secure element; and a secure data table associated with the card services module. The secure data table includes a list of trusted applications each identifiable by paired digital identifier and token. The card services module [includes] compares the identifier and the token with each of the identifier-token pairs in the table until a match indicates the application is trusted. The card services module issues commands to the secure element based on an action requested by a trusted application in conjunction with the presentation of the digital token. A method of providing an application with the ability to communicate via secure element is also disclosed.

US Patent:

20120265685, Oct 18, 2012

Filed:

Apr 16, 2012

Appl. No.:

13/447495

Inventors:

David Brudnicki - Duvall WA, US
Kaushik Roy - Foster City CA, US
Michael Craft - Carlsbad CA, US
Hans Reisgies - San Jose CA, US
Andrew Weinstein - San Francisco CA, US

Assignee:

Sequent Software Inc. - Redwood City CA

International Classification:

G06Q 20/40

US Classification:

705 44

Abstract:

This invention involves, in part, a system for automatically selecting a credential among a plurality of credentials on a portable communication device based on a geo-location of the portable communication device and based on a user preference, for use in an electronic wallet transaction. The system includes a geo-location device configured to detect the geo-location of the portable communication device; a location identification service unit configured to be activated by a pre-determined user input, and configured to determine a merchant where the portable communication device is most likely to be located based on said geo-location; means for storing preferences corresponding to the plurality of credentials; and means for automatically determining which of the plurality of credentials to use for the electronic wallet transaction based on the preferences.

US Patent:

20130159186, Jun 20, 2013

Filed:

Apr 16, 2012

Appl. No.:

13/448193

Inventors:

David Brudnicki - Duvall WA, US
Michael Craft - Carlsbad CA, US
Hans Reisgies - San Jose CA, US
Andrew Weinstein - San Francisco CA, US

Assignee:

Sequent Software Inc. - Redwood City CA

International Classification:

G06Q 20/40
G06Q 20/32

US Classification:

705 44

Abstract:

A system for using a dynamic temporary credential with a portable communication device for use in a transaction with an electronic control point (e.g. point of sale, NFC access point) wherein the portable communication device has a geo-location module (e.g. GPS). The system has a centralized module that receives the portable communication device's current geo-location and transmits the dynamic temporary credential to the portable communication device and provides predictive transaction information—including the dynamic temporary credential and portable communication device's geo-location—to an authorization system operably associated with the electronic control point. The dynamic temporary credential has a predetermined time to live, which allows for the recycling of the dynamic credential, such recycling may take into account the geo-location for which the credential has been recently issued. A method for using a dynamic temporary credential with a portable communication device is also disclosed.

US Patent:

20140358797, Dec 4, 2014

Filed:

Aug 18, 2014

Appl. No.:

14/462011

Inventors:

- Mountain View CA, US
David Brudnicki - Duvall WA, US
Andrew Weinstein - San Francisco CA, US

International Classification:

G06Q 20/38
G06Q 20/40
G06Q 20/32

US Classification:

705 76

Abstract:

A system for presentation of multiple NFC credentials via an NFC baseband in a portable communication device during a single NFC transaction. The system comprises a secure element having a directory of available NFC credentials stored therein, wherein the ordering of the available NFC credentials usually indicates the priority. The system further comprises a pre-determined multiple-credential start Application ID (AID) wherein the directory includes a plurality of NFC credentials after the pre-determined multiple-credential start AID. A method for presenting multiple NFC credentials during a single NFC transaction is also disclosed.