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    • 6. 发明申请
    • Secure Mobile Device Credential Provisioning Using Risk Decision Non-Overrides
    • 使用风险决策非覆盖的安全移动设备凭证配置
    • US20160086184A1
    • 2016-03-24
    • US14861916
    • 2015-09-22
    • Andrew CarpenterGlenn Leon Powell
    • Andrew CarpenterGlenn Leon Powell
    • G06Q20/40G06Q20/38G06Q20/32
    • G06Q20/4016G06Q20/322G06Q20/3821
    • Embodiments are directed to optimizing the secure provisioning of credentials to mobile devices through use of risk decision non-overrides. In some embodiments, a service provider receives a request from a wallet provider to provision a credential associated with an account to a mobile device. The request includes a first risk level associated with the provisioning. The service provider receives a second risk level associated with the provisioning request from an issuer of the account. Based upon determining that a non-override condition exists, the service provider uses the first risk level from the wallet provider and accordingly causes a user authentication to occur. A non-override condition may be determined based upon scenario indicators received within the provisioning request. In some embodiments, the non-override condition may be ignored when the first risk level indicates medium risk and the second risk level indicates high risk.
    • 实施例旨在通过使用风险决策非覆盖来优化对移动设备的凭证的安全提供。 在一些实施例中,服务提供者接收来自钱包提供者的请求以向移动设备提供与帐户相关联的证书。 请求包括与供应相关联的第一风险级别。 服务提供商从帐户的发行者接收与供应请求相关联的第二风险级别。 基于确定存在非覆盖条件,服务提供商使用来自钱包提供商的第一风险级别,并因此导致用户认证发生。 可以基于在供应请求内接收到的情景指示来确定非覆盖条件。 在一些实施例中,当第一风险水平指示中等风险并且第二风险水平指示高风险时,可以忽略非重写条件。
    • 7. 发明申请
    • SYSTEMS AND METHODS FOR INTEROPERABLE NETWORK TOKEN PROCESSING
    • 可互联网络处理的系统与方法
    • US20150032626A1
    • 2015-01-29
    • US14340444
    • 2014-07-24
    • Matthew DillPrasanna LaxminarayananGlenn PowellJohn SheetsAndrew Carpenter
    • Matthew DillPrasanna LaxminarayananGlenn PowellJohn SheetsAndrew Carpenter
    • G06Q20/38G06Q20/40
    • Systems and methods for interoperable network token processing are provided. A network token system provides a platform that can be leveraged by external entities (e.g., third party wallets, e-commerce merchants, payment enablers/payment service providers, etc.) or internal payment processing network systems that have the need to use the tokens to facilitate payment transactions. A token registry vault can provide interfaces for various token requestors (e.g., mobile device, issuers, merchants, mobile wallet providers, etc.), merchants, acquirers, issuers, and payment processing network systems to request generation, use and management of tokens. The network token system further provides services such as card registration, token generation, token issuance, token authentication and activation, token exchange, and token life-cycle management.
    • 提供了可互操作的网络令牌处理的系统和方法。 网络令牌系统提供可以由外部实体(例如,第三方钱包,电子商务商家,支付使能者/支付服务提供商等)或需要使用令牌的内部支付处理网络系统来利用的平台 以方便支付交易。 令牌注册表库可以为令牌的生成,使用和管理提供各种令牌请求者(例如,移动设备,发行商,商家,移动钱包提供商等),商家,获取者,发行者和支付处理网络系统的接口。 网络令牌系统还提供诸如卡注册,令牌生成,令牌发行,令牌认证和激活,令牌交换和令牌生命周期管理等服务。