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1. 发明申请

US20160277380A1 MULTI-DEVICE TRANSACTION VERIFICATION 审中-公开
标题翻译：多设备交易验证
公开(公告)号：US20160277380A1
公开(公告)日：2016-09-22
申请号：US15072636
申请日：2016-03-17
申请人： Kim Wagner , John F. Sheets , Mark Nelsen , Jing Jin
发明人： Kim Wagner , John F. Sheets , Mark Nelsen , Jing Jin
IPC分类号： H04L29/06 , G06Q20/40
CPC分类号： G06Q20/4016 , G06Q20/3224 , H04L63/08 , H04L63/0861 , H04W12/06 , H04W12/08
摘要： When a user enters a resource provider location with a portable communication device, the portable communication device provides an indication to a transaction processing system that the portable communication device is currently at the resource provider location. At a later time when the user conducts a transaction with a portable transaction device, the fact that the user's portable communication device had been detected at the resource provider a short time ago is taken into account as a positive indicator that the transaction is not fraudulent. By verifying that both the portable communication device and the portable transaction device are present at the resource provider, the risk of approving a fraudulent transaction from a stolen portable transaction device can be reduced.
摘要翻译：当用户使用便携式通信设备进入资源提供商位置时，便携式通信设备向交易处理系统提供便携式通信设备当前在资源提供商位置的指示。在用户与便携式交易设备进行交易的稍后时间，将用户的便携式通信设备在资源提供商不久前被检测到的事实被考虑作为交易不是欺诈的肯定指示。通过验证便携式通信设备和便携式交易设备是否存在于资源提供商处，可以减少从被盗的便携式交易设备批准欺诈交易的风险。

2. 发明申请

US20150254670A1 ACCOUNT TRANSACTION FRAUD DETECTION 审中-公开
公开(公告)号：US20150254670A1
公开(公告)日：2015-09-10
申请号：US14717863
申请日：2015-05-20
申请人： John F. Sheets , Kim Wagner
发明人： John F. Sheets , Kim Wagner
IPC分类号： G06Q20/40
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.

3. 发明授权

US09373111B2 Payment card with integrated chip 有权
标题翻译：带集成芯片的支付卡
公开(公告)号：US09373111B2
公开(公告)日：2016-06-21
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 , G06Q20/32 , G06Q20/34 , G06Q20/38
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。

4. 发明申请

US20200250679A1 CAMERA DEVICE ENABLED IDENTIFICATION AND DISAMBIGUATION SYSTEM AND METHOD 审中-公开
公开(公告)号：US20200250679A1
公开(公告)日：2020-08-06
申请号：US16269419
申请日：2019-02-06
申请人： Sunpreet Arora , Lacey Best-Rowden , Kim Wagner , Saman Sarraf
发明人： Sunpreet Arora , Lacey Best-Rowden , Kim Wagner , Saman Sarraf
IPC分类号： G06Q20/40 , G06Q20/34 , G06Q20/04 , G06K19/07 , G07C9/00
摘要： A method and system of using a vehicle mounted camera device to authenticate a user during an interaction is disclosed. The method includes receiving interaction data regarding an interaction between a user operating a communication device and an access device, the user being near other candidate users. The method then includes determining one or more match indicators, the match indicators generated by comparing different sample biometric templates of the user with different enrolled biometric templates. At least one of the different biometric sample templates may be an image-based biometric template and at least one may be a voice print biometric template. Then the method includes identifying the user based on at least the match indicator associated with the voice print biometric template. The method then includes, if the match indicators are positive match indicators, initiating a process on behalf of the user.

5. 发明授权

US09070129B2 Method and system for securing data fields 有权
标题翻译：保护数据字段的方法和系统
公开(公告)号：US09070129B2
公开(公告)日：2015-06-30
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： G06Q20/40 , G06Q20/04
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.
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。

6. 发明授权

US07798394B2 Device, system and method for reducing an interaction time for a contactless transaction 有权
标题翻译：用于减少非接触式交易的交互时间的设备，系统和方法
公开(公告)号：US07798394B2
公开(公告)日：2010-09-21
申请号：US11536307
申请日：2006-09-28
申请人： Trudy Hill , Jagdeep Singh Sahota , Kim Wagner , Christian Aabye , Anita Ochieano , Carole Oppenlander , William Chi Yuen Chan , Craig Allen Glendenning
发明人： Trudy Hill , Jagdeep Singh Sahota , Kim Wagner , Christian Aabye , 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。

7. 发明申请

US20070118483A1 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：US20070118483A1
公开(公告)日：2007-05-24
申请号：US11536307
申请日：2006-09-28
申请人： Trudy Hill , Jagdeep Sahota , Christian Aabye , Kim Wagner , Anita Ochieano , Carole Oppenlander , William Chan , Craig Glendenning
发明人： Trudy Hill , Jagdeep Sahota , Christian Aabye , Kim Wagner , Anita Ochieano , Carole Oppenlander , William Chan , Craig Glendenning
IPC分类号： G06Q30/00 , G06Q99/00
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。

8. 发明申请

US20150186891A1 LOCATION OBFUSCATION FOR AUTHENTICATION 审中-公开
标题翻译：位置验证验证
公开(公告)号：US20150186891A1
公开(公告)日：2015-07-02
申请号：US14585770
申请日：2014-12-30
申请人： Kim Wagner , John Sheets
发明人： Kim Wagner , John Sheets
IPC分类号： G06Q20/40
摘要： Methods, system, and apparatuses are presented for performing location-based fraud detection (e.g., in e-commerce transactions) while alleviating privacy concerns. Location-based fraud detection may utilize an intermediary (i.e., third party server), which collects the actual location of mobile phones and then obfuscates the collected location information. Obfuscation of location information may comprise assigning region identifiers to geographical regions, where a region identifier can be associated with a transaction that was conducted in a corresponding geographical region. Overlapping regions of varying resolutions may be utilized, each region size corresponding to a set of regions. The intermediary may provide obfuscated location information to an entity (i.e., fraud detection system) that performs the location-based fraud detection based on the obfuscated location information. The entity may aggregate statistical values based on received obfuscated location information of a user's historical transactions and utilize the values when performing the location-based fraud detection.
摘要翻译：呈现用于执行基于位置的欺诈检测（例如，在电子商务交易中）同时减轻隐私问题的方法，系统和装置。基于位置的欺诈检测可以利用收集移动电话的实际位置然后使收集的位置信息模糊的中间人（即，第三方服务器）。位置信息的混淆可以包括将区域标识符分配给地理区域，其中区域标识符可以与在相应地理区域中进行的交易相关联。可以利用不同分辨率的重叠区域，每个区域大小对应于一组区域。中介可以向基于混淆的位置信息执行基于位置的欺诈检测的实体（即欺诈检测系统）提供混淆的位置信息。实体可以基于接收到的用户历史事务的混淆位置信息来聚合统计值，并且在执行基于位置的欺诈检测时利用该值。

9. 发明申请

US20150019443A1 SECURE REMOTE PAYMENT TRANSACTION PROCESSING 审中-公开
标题翻译：安全远程付款交易处理
公开(公告)号：US20150019443A1
公开(公告)日：2015-01-15
申请号：US14332245
申请日：2014-07-15
申请人： John Sheets , Kim Wagner , Christian Aabye , Frederick Liu , Igor Karpenko , Glenn Powell , Kiushan Pirzadeh
发明人： John Sheets , Kim Wagner , Christian Aabye , Frederick Liu , Igor Karpenko , Glenn Powell , Kiushan Pirzadeh
IPC分类号： G06Q20/32 , G06Q20/38
CPC分类号： G06Q20/3278 , G06Q20/322 , G06Q20/3829
摘要： Embodiments of the present invention are directed to methods, apparatuses, computer readable media and systems for securely processing remote transactions. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a mobile device comprising a server computer receiving a payment request including encrypted payment information. The encrypted payment information being generated by a mobile payment application of the mobile device and being encrypted using a third party key. The method further comprises decrypting the encrypted payment information using the third party key, determining a transaction processor public key associated with the payment information, and re-encrypting the payment information using the transaction processor public key. The method further comprises sending a payment response including the re-encrypted payment information to a transaction processor. The transaction processor decrypts the re-encrypted payment information using a transaction processor private key and initiates a payment transaction.
摘要翻译：本发明的实施例涉及用于安全地处理远程事务的方法，装置，计算机可读介质和系统。本发明的一个实施例涉及一种处理由移动设备发起的远程交易的方法，该移动设备包括服务器计算机接收包括加密支付信息的支付请求。加密的支付信息由移动设备的移动支付应用程序生成，并使用第三方密钥进行加密。该方法还包括使用第三方密钥对加密的支付信息进行解密，确定与支付信息相关联的交易处理器公开密钥，以及使用交易处理器公开密钥重新加密支付信息。该方法还包括向业务处理器发送包括重新加密的支付信息的支付响应。交易处理器使用交易处理器私钥解密重新加密的支付信息并启动支付交易。

10. 发明申请

US20130212026A1 DATA PROTECTION WITH TRANSLATION 审中-公开
标题翻译：数据保护与翻译
公开(公告)号：US20130212026A1
公开(公告)日：2013-08-15
申请号：US13735800
申请日：2013-01-07
申请人： Glenn Powell , John Sheets , Paul Tait , Kim Wagner , Krishna Koganti , Marc Perl , Hector Rodriguez , Susan Zloth
发明人： Glenn Powell , John Sheets , Paul Tait , Kim Wagner , Krishna Koganti , Marc Perl , Hector Rodriguez , Susan Zloth
IPC分类号： G06Q20/38
CPC分类号： G06Q20/3823 , G06F21/606 , G06Q20/4012 , G07F7/1091
摘要： Systems and methods are disclosed in which data associated with a transaction are protected with encryption. At an access device, a PIN associated with a payment account may be encrypted with a first key derived from an initial key of the access device and sensitive data associated with the payment account may be encrypted with a second key derived from the initial key. At a secure module associated with a host server encrypted sensitive data of an authorization request message may be decrypted. The secure module associated with the host server can re-encrypt the sensitive data using a zone encryption key associated with a payment processing network. A translated authorization request message including the re-encrypted sensitive data can be transmitted by the merchant server to the payment processing network.
摘要翻译：公开了与事务相关联的数据通过加密来保护的系统和方法。在访问设备处，与支付帐户相关联的PIN可以用从访问设备的初始密钥导出的第一密钥加密，并且与支付帐户相关联的敏感数据可以用从初始密钥导出的第二密钥进行加密。在与主机服务器相关联的安全模块中，可以解密授权请求消息的加密敏感数据。与主机服务器相关联的安全模块可以使用与支付处理网络相关联的区域加密密钥来重新加密敏感数据。包括重新加密的敏感数据的翻译的授权请求消息可以由商家服务器发送到支付处理网络。

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