IP Library › Granted Patent US 12,288,208
Granted Patent B2
US 12,288,208 · App. 18/936,836 · Granted Apr 29, 2025

Electronic device for securely storing and providing payment information

Inventors: Sergey Ignatchenko (Innsbruck, AT); Dmytro Ivanchykhin (Kiev, UA)
Assignee: Fingon LLC
G06Q20/3829G06F21/57G06F21/606G06F21/74G06Q20/351G06Q20/3823G06Q20/3825
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Quick Facts
Patent No.
US 12,288,208
App. No.
18/936,836
Granted
Apr 29, 2025
Kind
B2
Abstract

The systems, methods and apparatuses described herein provide a virtual integrated circuit card (ICC). In one aspect, a method of creating a virtual ICC may be provided. The method may comprise obtaining executable code configured to run on a user device to facilitate financial transactions, preparing a first encryption key usable by the executable code, receiving a second encryption key associated with the user device, forming a virtual ICC comprising the executable code and the first encryption key, and encrypting the virtual ICC with the second encryption key. In another aspect, a virtual ICC may be embodied on a non-transitory computer-readable medium. The virtual ICC may comprise executable code configured to run on a user device to facilitate financial transactions and a first encryption key usable by the executable code. The virtual ICC may be encrypted using a second encryption key associated with the user device.

Claims (33)

1. An electronic device, comprising:

a screen;

a non-secure zone;

a secure zone including a supervisor, a secure processor, and one or more cryptographic engines configured to implement one or more cryptographic algorithms;

an interface, the secure zone being communicatively coupled to the non-secure zone via the interface, and the interface being configured to receive tasks from the non-secure zone and pass information associated with the tasks to the supervisor for execution by the secure processor, wherein the secure zone is configured to:

receive requests to execute the tasks from the non-secure zone via the interface, apply ones of respective sets of permissions corresponding to accesses to portions of the secure zone while the tasks are executed, the respective sets of permissions being based on at least one of: the information associated with the tasks and information in digital certificates of respective providers of said tasks, said respective sets of permissions describing those portions of the secure zone that can be accessed by respective ones of said tasks, and

store information corresponding to one or more of the digital certificates, signatures, and keys in one or more respective secure dedicated storages; and

a communication port.

2. The electronic device of claim 1 , wherein the supervisor is configured to obtain certificates by issuing requests to a remote server via an operating system executing in the non-secure zone and the communication port.

3. The electronic device of claim 1 , wherein the supervisor is configured to access the communication port via an operating system executing in the non-secure zone.

4. The electronic device of claim 1 , wherein the supervisor is configured to check that code associated with the tasks fulfills certain requirements before loading the code within the secure zone.

5. The electronic device of claim 1 , wherein at least one of the one or more cryptographic engines is configured to be used by the supervisor for verification of the digital certificates.

6. The electronic device of claim 1 , wherein the secure zone is configured to execute an integrated circuit card (ICC) subtask provided by a financial institution to perform an online transaction.

7. The electronic device of claim 1 , wherein the communication port is configured to create a connection between the electronic device and a remote computer over a network connection.

8. A method for securely storing and providing payment information using an electronic device, comprising (i) a screen, (ii) a non-secure zone, (iii) a secure zone including a supervisor, a secure processor, and one or more cryptographic engines configured to implement one or more cryptographic algorithms, (iv) an interface, the secure zone being communicatively coupled to the non-secure zone via the interface, and the interface being configured to receive tasks from the non-secure zone and pass information associated with the tasks to the supervisor for execution by the secure processor, and (v) a communication port, the method comprising:

receiving, by the secure zone, requests to execute the tasks from the non-secure zone via the interface;

applying, by the secure zone, ones of respective sets of permissions corresponding to accesses to portions of the secure zone while the tasks are executed, the respective sets of permissions being based on at least one of: the information associated with the tasks and information in digital certificates of respective providers of said tasks, said respective sets of permissions describing those portions of the secure zone that can be accessed by respective ones of said tasks; and

storing information corresponding to one or more of the digital certificates, signatures, and keys in one or more respective secure dedicated storages.

9. The method of claim 8 , wherein the supervisor is configured to obtain certificates by issuing requests to a remote server via an operating system executing in the non-secure zone and the communication port.

10. The method of claim 8 , wherein the supervisor is configured to access the communication port via an operating system executing in the non-secure zone.

11. The method of claim 8 , wherein the supervisor is configured to check that code associated with the tasks fulfills certain requirements before loading the code within the secure zone.

12. The method of claim 8 , wherein at least one of the one or more cryptographic engines is configured to be used by the supervisor for verification of the digital certificates.

13. The method of claim 8 , wherein the secure zone is configured to execute an integrated circuit card (ICC) subtask provided by a financial institution to perform an online transaction.

14. The method of claim 8 , wherein the communication port is configured to create a connection between the electronic device and a remote computer over a network connection.

15. A non-transitory computer-readable medium for securely storing and providing payment information using an electronic device, comprising (i) a screen, (ii) a non-secure zone, (iii) a secure zone including a supervisor, a secure processor, and one or more cryptographic engines configured to implement one or more cryptographic algorithms, (iv) an interface, the secure zone being communicatively coupled to the non-secure zone via the interface, and the interface being configured to receive tasks from the non-secure zone and pass information associated with the tasks to the supervisor for execution by the secure processor, (v) a communication port, and (vi) a processor, the non-transitory computer-readable medium comprising a set of instructions that when executed by the processor of the electronic device, causes the electronic device to:

receive, by the secure zone, requests to execute the tasks from the non-secure zone via the interface;

apply, by the secure zone, ones of respective sets of permissions corresponding to accesses to portions of the secure zone while the tasks are executed, the respective sets of permissions being based on at least one of: the information associated with the tasks and information in digital certificates of respective providers of said tasks, said respective sets of permissions describing those portions of the secure zone that can be accessed by respective ones of said tasks; and

store information corresponding to one or more of the digital certificates, signatures, and keys in one or more respective secure dedicated storages.

16. The non-transitory computer-readable medium of claim 15 , wherein the supervisor is configured to obtain certificates by issuing requests to a remote server via an operating system executing in the non-secure zone and the communication port.

17. The non-transitory computer-readable medium of claim 15 , wherein the supervisor is configured to access the communication port via an operating system executing in the non-secure zone.

18. The non-transitory computer-readable medium of claim 15 , wherein the supervisor is configured to check that code associated with the tasks fulfills certain requirements before loading the code within the secure zone.

19. The non-transitory computer-readable medium of claim 15 , wherein at least one of the one or more cryptographic engines is configured to be used by the supervisor for verification of the digital certificates.

20. The non-transitory computer-readable medium of claim 15 , wherein the secure zone is configured to execute an integrated circuit card (ICC) subtask provided by a financial institution to perform an online transaction.

Assignments (2)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Nov 5, 2024
From: IGNATCHENKO, SERGEY; IVANCHYKHIN, DMYTRO
To: OLOGN TECHNOLOGIES AG
Reel/Frame 069150/0230 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Nov 5, 2024
From: OLOGN TECHNOLOGIES AG
To: FINGON LLC
Reel/Frame 069150/0250 →
Continuity (6)
Division 18892155 · Sep 20, 2024
Continuation 18465155 · Sep 11, 2023
Continuation 17525466 · Nov 12, 2021
Continuation 14213912 · Mar 14, 2014
Provisional Application 61789618 · Mar 15, 2013
Related Publication 20250061451A1 · Feb 20, 2025
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