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31. 发明申请

WO2020081044A1 TECHNIQUES FOR SECURELY COMMUNICATING SENSITIVE DATA FOR DISPARATE DATA MESSAGES 审中-公开
公开(公告)号：WO2020081044A1
公开(公告)日：2020-04-23
申请号：PCT/US2018/055833
申请日：2018-10-15
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： AABYE, Andreas , AABYE, Christian
IPC分类号： H04L9/08
摘要： Systems and methods are disclosed for securely communicating sensitive such as an identifier. A user device may receive a first message comprising a terminal type indicator. For certain values of the terminal type indicator, the user device may be configured to transmit a request message comprising a first identifier and an encrypted identifier. For other values of the terminal type indicator, the user device may be configured to generating an obfuscated identifier based at least in part on a first portion of a second identifier and a second portion of the encrypted identifier. The user device may then transmit a request message that includes the obfuscated identifier and the encrypted identifier.

32. 发明申请

WO2016134302A1 CONTACTLESS DATA EXCHANGE BETWEEN MOBILE DEVICES AND READERS 审中-公开
标题翻译：移动设备和读取器之间的无缝数据交换
公开(公告)号：WO2016134302A1
公开(公告)日：2016-08-25
申请号：PCT/US2016/018750
申请日：2016-02-19
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： BELLENGER, Thomas , MAKHOTIN, Oleg , AABYE, Christian , WONG, Erick , SHARMA, Sanjeev , NGO, Hao
IPC分类号： H04W4/00 , H04W88/02 , G06Q20/32
CPC分类号： H04B5/0031 , H04B5/0062 , H04W4/80
摘要： Embodiments of the disclosure are directed to performing a transaction between a mobile device and an access device. Value information is provided to the access device by the mobile device. The value information is not necessary to complete the transaction.
摘要翻译：本公开的实施例涉及在移动设备和接入设备之间执行交易。值信息由移动设备提供给接入设备。价值信息不需要完成交易。

33. 发明申请

WO2016058006A1 METHODS AND SYSTEMS FOR PARTIAL PERSONALIZATION DURING MOBILE APPLICATION UPDATE 审中-公开
标题翻译：移动应用程序更新期间部分个性化的方法和系统
公开(公告)号：WO2016058006A1
公开(公告)日：2016-04-14
申请号：PCT/US2015/055397
申请日：2015-10-13
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： AABYE, Christian , PIRZADEH, Kiushan , POWELL, Glenn , KARPENKO, Igor
IPC分类号： G06F9/445 , G06F9/44
CPC分类号： G06F8/658 , G06F8/65 , G06F8/71 , G06F9/4451 , H04L67/306 , H04L67/34 , H04W4/50 , H04W12/04 , H04W12/06 , H04W12/10
摘要： Embodiments of the present invention are directed at methods and systems for providing a partial personalization process that allows for more efficient and effective personalization of a mobile application on a communication device after updating the mobile application. For example, personalization profiles associated with multiple versions of the mobile application may be stored at an application update provisioning system and the application update provisioning system may determine the appropriate partial provisioning information to update the mobile application for each migration notification. Accordingly, a tailored partial personalization script including only that personalization information that is to be updated for the updated version of the mobile application may be generated and installed to enable new functionality and/or update the information contained within an updated mobile application, without requiring re-personalization of all personalized information into the updated mobile application.
摘要翻译：本发明的实施例涉及用于提供部分个性化过程的方法和系统，其允许在更新移动应用之后在通信设备上更有效和有效地个性化移动应用。例如，与移动应用的多个版本相关联的个性化简档可以被存储在应用程序更新提供系统中，并且应用程序更新提供系统可以确定适当的部分供应信息，以便为每个迁移通知更新移动应用程序。因此，可以生成并安装定制的部分个性化脚本，其仅包括要为移动应用的更新版本更新的个性化信息，以实现新功能和/或更新包含在更新的移动应用中的信息，而不需要re 将所有个性化信息的个性化进入更新的移动应用程序。

34. 发明申请

WO2015038551A1 MOBILE PAYMENT APPLICATION PROVISIONING AND PERSONALIZATION ON A MOBILE DEVICE 审中-公开
标题翻译：移动支付移动设备上的应用程序提供和个性化
公开(公告)号：WO2015038551A1
公开(公告)日：2015-03-19
申请号：PCT/US2014/054846
申请日：2014-09-09
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： MAKHOTIN, Oleg , NGO, Hao , AABYE, Christian , PIRZADEH, Kiushan
IPC分类号： G06Q20/40 , G06Q20/32
CPC分类号： G06Q20/3829 , G06Q20/02 , G06Q20/3227 , G06Q20/325 , G06Q20/3278 , G06Q20/354 , G06Q20/3552
摘要： 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.
摘要翻译：本发明的实施例涉及用于提供中央实体的系统和方法，所述中央实体可以在移动通信设备上提供移动支付应用，并使移动支付应用程序具有消费者和帐户信息。移动通信设备上的移动支付应用的个性化可以包括在移动支付应用上提供支付账户。中央实体可以在移动支付应用程序中提供帐户，而不会在提供账户期间与发行者进行交互。中央实体可以通过使用安全元素密钥解密从移动通信设备接收的加密支付帐户信息来在移动通信设备上提供帐户。支付帐户信息可以使用相同的安全元件密钥由移动通信设备的安全元件加密。

35. 发明申请

WO2022182829A1 MODULAR SECURITY EVALUATION OF SOFTWARE ON DEVICES 审中-公开
公开(公告)号：WO2022182829A1
公开(公告)日：2022-09-01
申请号：PCT/US2022/017636
申请日：2022-02-24
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： CHEN, Yuexi , AABYE, Christian , COOKSON, Janet , JAVKIN, Ian , MITCHLEY, Geraldine , LAI, Chackan , KEKICHEFF, Marc , CHROBOK, Pawel
IPC分类号： G06F21/57 , G06F21/55
摘要： A method includes receiving, by a network processing computer, software information from a development computer. The network processing computer can determine one or more logical modules of a plurality of logical modules based on the software information. The network processing computer can provide the one or more logical modules to a testing computer. The testing computer evaluates one or more software modules corresponding to the software information using the one or more logical modules. The network processing computer receives a security evaluation report from the testing computer based on the evaluation of the one or more software modules using the one or more logical modules. The network processing computer creates a security evaluation summary based on the security evaluation report.

36. 发明申请

WO2022133026A1 METHOD AND SYSTEM FOR AUTHENTICATION CREDENTIAL 审中-公开
公开(公告)号：WO2022133026A1
公开(公告)日：2022-06-23
申请号：PCT/US2021/063703
申请日：2021-12-16
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： AABYE, Andreas , MCMILLAN, Christopher , CLARK, Adam , AABYE, Christian , HURRY, Simon
IPC分类号： H04L9/32 , H04L9/08 , G06F21/33
摘要： An issuing authority (IA) may validate the identity of a user and issue a digital license to the user. IA may generate IA public-private key pair, and provide IA public key to the certification authority (CA). IA may sign the digital license with IA private key, and provision the signed digital license on the user device. IA may request CA to certify the digital license. CA may use IA public key to validate the digital license, and sign IA public key with CA private key, thereby generating a digital certificate associated with the issuing authority that is linked to the digital license. A relying party may use CA public key to validate the digital license. The relying party can retrieve the information from the digital license and trust that the retrieved information is legitimate.

37. 发明申请

WO2020091722A1 EFFICIENT AUTHENTIC COMMUNICATION SYSTEM AND METHOD 审中-公开
公开(公告)号：WO2020091722A1
公开(公告)日：2020-05-07
申请号：PCT/US2018/057973
申请日：2018-10-29
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： SULLIVAN, Brian , SLOAN, Dinah , AABYE, Christian , NGO, Hao , CHEN, Yuexi , REZAEI, Fahimeh
IPC分类号： H04L9/32 , H04L9/08 , H04L9/30
摘要： A method is disclosed. The method comprises transmitting, by an access device to a communication device, a resource provider certificate and an access device certificate. Then, establishing a secure channel between the access device and the communication device using data from the resource provider certificate and the access device certificate. Then, transmitting to or receiving data from the communication device using the secure channel.

38. 发明申请

WO2020036931A1 TOKEN KEYS TO GENERATE CRYPTOGRAMS FOR TOKEN INTERACTIONS 审中-公开
公开(公告)号：WO2020036931A1
公开(公告)日：2020-02-20
申请号：PCT/US2019/046307
申请日：2019-08-13
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： CHITALIA, Jalpesh , LOPEZ, Eduardo , FLURSCHEIM, Christian , MOHAMMED, Sayeed , AABYE, Christian , JACOBS, Christoffel , LAVENDER, Phillip
IPC分类号： H04L9/08 , H04L9/32
摘要： Techniques are described for managing master keys for token requestors to use in generating cryptograms such as TAVVs. A processor computer generates a first master key for a token requestor, the first master key being generated based on (a) a second master key managed by the processor computer and (b) an identifier of the token requestor. The processor computer transmits, to a token requestor computer corresponding to the token requestor, the first master key. The processor computer receives, from the token requestor computer, a request for a token. Responsive to receiving the request for the token, the processor computer transmits the token to the token requestor computer; and receives, from the token requestor computer, an authorization request message comprising the token and a cryptogram generated by the token requestor computer using the first master key and the token.

39. 发明申请

WO2020036608A1 TECHNIQUES FOR SECURELY COMMUNICATING SENSITIVE DATA 审中-公开
公开(公告)号：WO2020036608A1
公开(公告)日：2020-02-20
申请号：PCT/US2018/046977
申请日：2018-08-17
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： HURRY, Simon , AABYE, Christian
IPC分类号： G06Q20/02 , G06Q20/38 , G06Q20/40
摘要： Systems and methods are disclosed for securely communicating sensitive such as an identifier. An encrypted value may be generated utilizing at least a portion of the identifier, a dynamic value, and an encryption key. An obfuscated identifier may be generated using at least a portion of the unencrypted identifier and a portion of the encrypted value. The obfuscated identifier and the encrypted value may be provided in a message to inhibit potential fraudsters from obtaining the identifier.

40. 发明申请

WO2019108595A1 SYSTEMS AND METHODS FOR PROTECTING AGAINST RELAY ATTACKS 审中-公开
公开(公告)号：WO2019108595A1
公开(公告)日：2019-06-06
申请号：PCT/US2018/062759
申请日：2018-11-28
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： SULLIVAN, Brian , WANG, Quan , CHEN, Yuexi , AABYE, Christian , FLURSCHEIM, Christian , HAPUARACHCHI, Pasan
IPC分类号： H04L29/06 , H04L9/06 , H04L9/08
摘要： Systems, methods, and devices are disclosed for preventing relay attacks. A user device may receive (e.g., when proximate to the first access device), from an intervening device, device identification data for a first access device. A message may be received from a second access device via the intervening device. The message may include a digital signature generated based at least in part on second access device identification data. The user device may validate the message utilizing the digital signature and a public key. If the message is invalid, the user device may discard the message. If the message is valid, (e.g., unaltered), the user device may determine that the user has not confirmed an intent to interact with the second access device and may terminate an further interaction with the second access device accordingly.

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