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11. 发明申请

US20130041823A1 Payment Card with Integrated Chip 有权
标题翻译：集成芯片支付卡
公开(公告)号：US20130041823A1
公开(公告)日：2013-02-14
申请号：US13570185
申请日：2012-08-08
申请人： Kim Wagner , Dinah Sloan , Brian Byrne
发明人： Kim Wagner , Dinah Sloan , Brian Byrne
IPC分类号： G06Q20/40
CPC分类号： G06Q20/40 , G06Q20/32 , G06Q20/34 , G06Q20/382
摘要： A method is disclosed. It includes presenting a payment card to an access device, obtaining additional data, encrypting the additional data, and passing the encrypted additional data to the access device.
摘要翻译：公开了一种方法。它包括向接入设备呈现支付卡，获得附加数据，加密附加数据，以及将加密的附加数据传递到接入设备。

12. 发明申请

US20130041822A1 Payment Device with Integrated Chip 审中-公开
标题翻译：带集成芯片的付款设备
公开(公告)号：US20130041822A1
公开(公告)日：2013-02-14
申请号：US13570178
申请日：2012-08-08
申请人： Kim Wagner , Dinah Sloan , Brian Byme
发明人： Kim Wagner , Dinah Sloan , Brian Byme
IPC分类号： G06Q20/40
CPC分类号： G06Q20/40 , G06Q20/32 , G06Q20/34 , G06Q20/382
摘要： A method is disclosed. It includes presenting a portable consumer device to an access device, obtaining additional data, encrypting the additional data, and passing the encrypted additional data to the access device.
摘要翻译：公开了一种方法。它包括将便携式消费者设备呈现给接入设备，获得附加数据，加密附加数据，以及将加密的附加数据传递到接入设备。

13. 发明申请

US20100270374A1 DEVICE, SYSTEM AND METHOD FOR REDUCING AN INTERACTION TIME FOR A CONTACTLESS TRANSACTION 有权
标题翻译：用于减少接触交易的交互时间的装置，系统和方法
公开(公告)号：US20100270374A1
公开(公告)日：2010-10-28
申请号：US12831114
申请日：2010-07-06
申请人： Trudy Hill , Jagdeep Singh Sahota , Christian Aabye , Kim Wagner , Anita Ochieano , Carole Oppenlander , William Chi Yuen Chan , Craig Allen Glendenning
发明人： Trudy Hill , Jagdeep Singh Sahota , Christian Aabye , Kim Wagner , Anita Ochieano , Carole Oppenlander , William Chi Yuen Chan , Craig Allen Glendenning
IPC分类号： G06K17/00
CPC分类号： G06Q20/352 , G06K7/0008 , G06Q20/04 , G06Q20/3674 , G06Q20/382 , G06Q20/38215 , G06Q20/3825 , G06Q20/40 , G06Q20/401 , G06Q20/4016 , G06Q20/409 , G06Q30/06 , G07F7/0826 , G07F7/088 , G07F7/1008 , G07F7/1016
摘要： A method. The method comprises, at a reader, performing at least one transaction-based risk management process prior to energizing a contactless interface, initiating communication with a card utilized for the contactless transaction, receiving information associated with the card, and terminating communication with the card to authorizing the contactless transaction.
摘要翻译：一个方法。该方法包括在读取器处执行至少一个基于事务的风险管理过程，然后激励非接触式接口，发起与用于非接触式交易的卡的通信，接收与该卡相关联的信息，以及终止与卡的通信授权非接触式交易。

14. 发明申请

US20160253663A1 TRANSACTION SIGNING UTILIZING ASYMMETRIC CRYPTOGRAPHY 审中-公开
标题翻译：交易签收使用不对称CRYPTOGRAPHY
公开(公告)号：US20160253663A1
公开(公告)日：2016-09-01
申请号：US15054993
申请日：2016-02-26
申请人： Adam Clark , Kim Wagner
发明人： Adam Clark , Kim Wagner
IPC分类号： G06Q20/40 , G06Q20/38
CPC分类号： G06Q20/02 , G06Q20/0655 , G06Q20/28 , G06Q20/3274 , G06Q20/341 , G06Q20/3678 , G06Q20/38215 , G06Q20/3825 , G06Q2220/00 , H04L9/3236 , H04L2209/38 , H04L2209/56
摘要： Embodiments relate to systems, apparatuses, and methods for performing transaction signing utilizing asymmetric cryptography and a private ledger. A transaction data is signed by a user device using a private key, and may be utilized in an authorization request message without including a real credential of the user. A transaction verification and accounting module (TVAM) can verify the signed transaction data and can continue processing the transaction.
摘要翻译：实施例涉及利用非对称加密和私有分类帐执行交易签名的系统，装置和方法。交易数据由使用私钥的用户设备签名，并且可以在授权请求消息中使用，而不包括用户的真实证书。交易验证和计费模块（TVAM）可以验证签名的交易数据，并可以继续处理交易。

15. 发明申请

US20150142670A1 SYSTEMS AND METHODS FOR SOFTWARE BASED ENCRYPTION 审中-公开
标题翻译：基于软件加密的系统和方法
公开(公告)号：US20150142670A1
公开(公告)日：2015-05-21
申请号：US14548122
申请日：2014-11-19
申请人： Sue Zloth , Paul Tait , Kim Wagner , Glenn Powell
发明人： Sue Zloth , Paul Tait , Kim Wagner , Glenn Powell
IPC分类号： G06Q20/38
CPC分类号： G06Q20/3829 , G06Q20/22
摘要： Systems, methods, and apparatuses are provided for enabling a merchant payment computer to obtain one or more encryption keys, and use the encryption keys to encrypt transaction data. The merchant payment computer may authenticate to a merchant management computer to obtain a signed digital certificate attesting the identity of the merchant payment computer. The merchant payment computer can provide the certificate and a device identifier to a key management computer to obtain an encryption key. The merchant payment computer can then use the encryption key to encrypt transaction data for a transaction.
摘要翻译：提供了系统，方法和装置，用于使商家支付计算机能够获得一个或多个加密密钥，并使用加密密钥来加密交易数据。商家支付计算机可以向商家管理计算机认证，以获得证明商户支付计算机的身份的签名数字证书。商家支付计算机可以向密钥管理计算机提供证书和设备标识符以获得加密密钥。然后，商家支付计算机可以使用加密密钥来加密交易的交易数据。

16. 发明申请

US20090063354A1 ACCOUNT TRANSACTION FRAUD DETECTION 有权
标题翻译：帐户交易欺诈检测
公开(公告)号：US20090063354A1
公开(公告)日：2009-03-05
申请号：US12202978
申请日：2008-09-02
申请人： John Foxe Sheets , Kim Wagner
发明人： John Foxe Sheets , Kim Wagner
IPC分类号： G06Q20/00 , H04L9/32
CPC分类号： G06Q20/4016 , G06Q20/04 , G06Q20/401 , G06Q20/403 , G06Q2220/00
摘要： A merchant conducting a transaction on an account forms transaction data with a sensitive data field. To obscure the account prior to transmitting information about the transaction, for each character in the sensitive data field, a combined character is formed with a character of a generated pad. A replacement character is formed by a modulus operation on the combined character and is stored in the corresponding position in the sensitive data field. A transmission containing the sensitive data field with replacement characters is delivered to the merchant's acquirer. Subsequently, a first transmission is received for another transaction from a merchant that contains transaction data upon an account and a sensitive data field. Using the sensitive data field, an attempt is made to retrieve a transaction data record that contains data from a previous transaction that includes the account upon which the previous transaction was conducted. The sensitive data field, which is encrypted as the corresponding account upon which the previous transaction was conducted, was encrypted by a character-by-character modulo operation using a generated pad. If the transaction data record is retrieved, a second transmission is sent that contains a fraud notification of the attempt to conduct a transaction upon the encrypted account in the sensitive data field. If there is no retrieval of the transaction data record, a third transmission containing a no-fraud notification is sent.
摘要翻译：在帐户上进行交易的商户用敏感数据字段形成交易数据。为了在发送关于事务的信息之前遮蔽该帐户，对于敏感数据字段中的每个字符，组合字符形成有生成的字符的字符。通过对组合字符的模数运算形成替换字符，并将其存储在敏感数据字段中的相应位置。包含具有替换字符的敏感数据字段的传输被传递给商家的收单。随后，从包含帐户和敏感数据字段的交易数据的商家接收另一交易的第一传输。使用敏感数据字段，尝试检索包含来自先前交易的数据的交易数据记录，其中包括进行上一个交易的账户。作为进行先前交易的相应帐户被加密的敏感数据字段通过使用生成的按键的逐个字符的模数运算被加密。如果检索到交易数据记录，则发送第二个发送，其中包含在敏感数据字段中在加密帐户上进行交易的尝试的欺诈通知。如果没有交易数据记录的检索，则发送包含无欺诈通知的第三传输。

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