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1. 发明申请

WO2011119463A3 ALTERNATE MOBILE PAYMENT SERVICE 审中-公开
标题翻译：替代移动支付服务
公开(公告)号：WO2011119463A3
公开(公告)日：2012-02-02
申请号：PCT/US2011029141
申请日：2011-03-21
申请人： VISA INT SERVICE ASS , DATTATREYA SANJAY , KARPENKO IGOR
发明人： DATTATREYA SANJAY , KARPENKO IGOR
IPC分类号： G06Q20/00 , G06Q30/00
CPC分类号： G06Q30/00 , G06Q20/32 , G06Q20/3223 , G06Q20/38215 , G06Q20/385 , G06Q30/0222
摘要： A system and method are described for an alternate mobile payment service. The system includes a server computer for enrolling and storing user account information. The server computer is also capable of generating a unique one-time- use identifier for use during a transaction. The one-time-use identifier is returned to user as an electronic coupon which may be in the form of a two-dimensional barcode. The coupon may be used at a merchant location to complete a transaction. When the barcode is scanned, it may processed similar to a credit/debit/prepaid card payment.
摘要翻译：描述了替代移动支付服务的系统和方法。该系统包括用于登记和存储用户帐户信息的服务器计算机。服务器计算机还能够生成在事务期间使用的唯一的一次性使用标识符。将一次性使用的标识符作为可以是二维条形码形式的电子优惠券返回给用户。优惠券可以在商家位置使用以完成交易。扫描条形码时，可以处理类似于信用卡/借记卡/预付卡付款。

2. 发明申请

WO2010132480A3 ALTERABLE SECURITY VALUE 审中-公开
标题翻译：可变安全价值
公开(公告)号：WO2010132480A3
公开(公告)日：2011-02-24
申请号：PCT/US2010034421
申请日：2010-05-11
申请人： VISA INT SERVICE ASS , KARPENKO IGOR
发明人： KARPENKO IGOR
IPC分类号： G06Q20/00
CPC分类号： G06Q20/4018 , G06Q20/105 , G06Q20/24 , G06Q20/385 , G06Q20/40
摘要： Handling of verification values for portable consumer payment devices is disclosed. A verification value can be generated and associated with a portable payment device. The verification value can serve to supplement the conventional verification value that is printed on the portable payment device in order to provide an additional level of security against fraudulent use. When the portable payment device is used for a qualifying transaction, the generated verification value can be used to verify or authenticate the transaction instead of or in addition to the conventional verification value printed on the portable payment device.
摘要翻译：公开了便携式消费支付设备的验证值的处理。可以生成验证值并与便携式支付设备相关联。验证值可以用于补充打印在便携式支付设备上的常规验证值，以便提供额外的安全级别以防欺诈使用。当便携式支付设备用于合格交易时，所生成的验证值可以用于验证或认证交易，而不是或打印在便携式支付设备上的传统验证值之外。

3. 发明申请

WO2012112822A3 SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译： SNAP MOBILE PAYMENT APPARATUSES，METHODS AND SYSTEMS
公开(公告)号：WO2012112822A3
公开(公告)日：2012-10-18
申请号：PCT/US2012025530
申请日：2012-02-16
申请人： VISA INT SERVICE ASS , HAMMAD AYMAN , KARPENKO IGOR , GAVRILOV MIROSLAV , SHRIVASTAVA ABHINAV , CARLSON MARK , HARIRAMANI PRAKASH
发明人： HAMMAD AYMAN , KARPENKO IGOR , GAVRILOV MIROSLAV , SHRIVASTAVA ABHINAV , CARLSON MARK , HARIRAMANI PRAKASH
IPC分类号： G06Q20/00
CPC分类号： G06Q20/3674 , G06Q20/20 , G06Q20/204 , G06Q20/3276 , G06Q30/06
摘要： The SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS ("SNAP") transform real-time-generated merchant-product Quick Response codes via SNAP components into virtual wallet card-based transaction purchase notifications. In one embodiment, the SNAP obtains a snapshot of a QR code presented on a display screen of a point-of-sale device from a mobile device. The SNAP decodes the QR code to obtain product information included in a checkout request of the user, and merchant information for processing a user purchase transaction with a merchant providing the QR code. The SNAP accesses a user virtual wallet to obtain user account information to process the user purchase transaction with the merchant. Using the product information, merchant information and user account information, the SNAP generates a card authorization request, and which the SNAP provides to a payment network for transaction processing. Also, the SNAP obtains a purchase receipt confirming processing of the user purchase transaction.
摘要翻译： SNAP MOBILE PAYMENT APPARATUSES，METHODS AND SYSTEMS（“SNAP”）通过SNAP组件将实时生成的商品快速响应代码转换成基于虚拟钱包卡的交易购买通知。在一个实施例中，SNAP从移动设备获得在销售点设备的显示屏上呈现的QR码的快照。 SNAP解码QR码以获得包括在用户的结账请求中的产品信息以及用于与提供QR码的商家处理用户购买交易的商家信息。 SNAP访问用户虚拟钱包以获取用户账户信息以处理与商户的用户购买交易。使用产品信息，商户信息和用户账户信息，SNAP生成卡授权请求，SNAP将其提供给支付网络进行交易处理。此外，SNAP获得确认用户购买交易处理的购买收据。

4. 发明公开

EP3033725A4 SECURE REMOTE PAYMENT TRANSACTION PROCESSING USING A SECURE ELEMENT 审中-公开
标题翻译： GESICHERTE REMOTE-ZAHLUNGSTRANSAKTIONSVERARBEITUNG MIT EINEM SICHEREN ELEMENT
公开(公告)号：EP3033725A4
公开(公告)日：2017-05-03
申请号：EP14836208
申请日：2014-08-15
申请人： VISA INT SERVICE ASS
发明人： KARPENKO IGOR , MAKHOTIN OLEG , PIRZADEH KIUSHAN , POWELL GLENN , SHEETS JOHN , WONG ERICK
IPC分类号： G06Q20/40 , G06Q20/32
CPC分类号： G06Q20/3829 , G06Q20/3227 , G06Q20/3278 , G06Q20/38215 , G06Q20/401 , G06Q20/409
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. The method comprises receiving, by a mobile payment application on a secure memory of the mobile device, transaction data from a transaction processor application on the mobile device. The method further comprises validating that the transaction processor application is authentic and in response to validating the transaction processor application, providing encrypted payment credentials to the transaction processor application. The transaction processor application further initiates a payment transaction with a transaction processor server computer using the encrypted payment credentials.
摘要翻译：本发明的实施例针对用于安全地处理远程交易的方法，设备，计算机可读介质和系统。本发明的一个实施例针对一种处理由移动设备发起的远程交易的方法。该方法包括通过移动设备的安全存储器上的移动支付应用接收来自移动设备上的交易处理器应用的交易数据。该方法还包括验证交易处理器应用程序是可信的并且响应于验证交易处理器应用程序，向交易处理器应用程序提供加密的支付凭证。交易处理器应用程序还使用加密的支付凭证来启动与交易处理器服务器计算机的支付交易。

6. 发明公开

EP3022700A4 SECURE REMOTE PAYMENT TRANSACTION PROCESSING 有权
标题翻译： GESICHERTE VERARBEITUNG FERNGESTEUERTER ZAHLUNGSTRANSAKTIONEN
公开(公告)号：EP3022700A4
公开(公告)日：2017-03-29
申请号：EP14825781
申请日：2014-07-15
申请人： VISA INT SERVICE ASS
发明人： SHEETS JOHN , WAGNER KIM , AABYE CHRISTIAN , LIU FREDERICK , KARPENKO IGOR , POWELL GLENN , PIRZADEH KIUSHAN
IPC分类号： G06Q20/40 , 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，所述远程交易包括服务器计算机接收包括加密支付信息的支付请求。加密的支付信息是由移动装置的移动支付应用程序生成的，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解密加密的支付信息，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钥对付款信息进行再加密。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发起支付交易。

7. 发明专利

AU2018202542B2 Automated account provisioning 未知
公开(公告)号：AU2018202542B2
公开(公告)日：2019-10-10
申请号：AU2018202542
申请日：2018-04-11
申请人： VISA INT SERVICE ASS
发明人： POWELL GLENN LEON , SHEETS JOHN F , KARPENKO IGOR
IPC分类号： G06Q40/02 , G06Q20/32 , G06Q20/40
摘要： AUTOMATED ACCOUNT PROVISIONING Embodiments of the present invention are directed to systems, methods, and apparatus for allowing an issuer to initiate account provisioning on a mobile device without interacting with an account holder. The issuer may initiate the process by sending a provisioning information request message to a mobile device with a secure element. The mobile device may recognize the provisioning request message and gather the requisite provisioning information without requiring user input. The provisioning information may include information associated with the secure element of the mobile device. The mobile device may then send a provisioning request message to a provisioning system. The provisioning request message may include the requisite provisioning information to allow the provisioning system to provision the financial account on the secure element of the mobile device. 14537113_1

8. 发明专利

CA2920661C METHODS AND SYSTEMS FOR PROVISIONING MOBILE DEVICES WITH PAYMENT CREDENTIALS 未知
公开(公告)号：CA2920661C
公开(公告)日：2019-05-21
申请号：CA2920661
申请日：2014-08-08
申请人： VISA INT SERVICE ASS
发明人： WONG ERICK , PIRZADEH KIUSHAN , MAKHOTIN OLEG , POWELL GLENN , KARPENKO IGOR , SHEETS JOHN , LIU FREDERICK
IPC分类号： G06Q20/32 , G06Q20/36
摘要： Embodiments are described that are directed to optimizing the provisioning of payment account credentials to mobile devices utilizing mobile wallets. In some embodiments, one of multiple provisioning schemes may be selectively chosen for payment account credential provisioning based upon a determined risk involved with a particular provisioning request. A low risk provisioning request leads to an immediate provisioning of a payment credential, whereas a provisioning request of high risk results in the provisioning request being denied. In some embodiments, medium risk provisioning requests will cause an additional user authentication to be performed before the payment account provisioning is finalized. The additional user authentication may occur using a separate communication channel than the channel in which the provisioning request was received.

9. 发明专利

SG10201900029SA AUTOMATED ACCOUNT PROVISIONING 未知
公开(公告)号：SG10201900029SA
公开(公告)日：2019-02-27
申请号：SG10201900029S
申请日：2014-11-18
申请人： VISA INT SERVICE ASS
发明人： POWELL GLENN LEON , SHEETS JOHN F , KARPENKO IGOR
摘要： AUTOMATED ACCOUNT PROVISIONING Embodiments of the present invention are directed to systems, methods, and apparatus for allowing an issuer to initiate account provisioning on a mobile device without interacting with an accountholder. The issuer may initiate the process by sending a provisioning information request message to a mobile device with a secure element. The mobile device may recognize the provisioning request message and gather the requisite provisioning information without requiring user input. The provisioning information may include information associated with the secure element of the mobile device. The mobile device may then send a provisioning request message to a provisioning system. The provisioning request message may include the requisite provisioning information to allow the provisioning system to provision the financial account on the secure element of the mobile device. FIG. 1

10. 发明专利

AU2018202542A1 Automated account provisioning 未知
公开(公告)号：AU2018202542A1
公开(公告)日：2018-05-10
申请号：AU2018202542
申请日：2018-04-11
申请人： VISA INT SERVICE ASS
发明人： POWELL GLENN LEON , SHEETS JOHN F , KARPENKO IGOR
IPC分类号： G06Q40/02 , G06Q20/32 , G06Q20/40
摘要： AUTOMATED ACCOUNT PROVISIONING Embodiments of the present invention are directed to systems, methods, and apparatus for allowing an issuer to initiate account provisioning on a mobile device without interacting with an account holder. The issuer may initiate the process by sending a provisioning information request message to a mobile device with a secure element. The mobile device may recognize the provisioning request message and gather the requisite provisioning information without requiring user input. The provisioning information may include information associated with the secure element of the mobile device. The mobile device may then send a provisioning request message to a provisioning system. The provisioning request message may include the requisite provisioning information to allow the provisioning system to provision the financial account on the secure element of the mobile device.

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