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1. 发明申请

WO2017205018A1 RELIABLE TIMESTAMP CREDENTIAL 审中-公开
标题翻译：可靠的时间戳证书
公开(公告)号：WO2017205018A1
公开(公告)日：2017-11-30
申请号：PCT/US2017/030844
申请日：2017-05-03
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： JIN, Jing , AABYE, Christian
IPC分类号： H04L29/06
摘要： A process for generating an access credential by a communication device may include determining whether a communication device successfully executed a predetermined shutdown sequence when the communication device last transitioned to an inactive state, determining whether the communication device has synchronized with an authorization network subsequent to transitioning back to an active state, and generating the access credential including a timestamp. The access credential may indicate whether the access credential has reliable timestamp information. The access credential can be provided to an access device associated with an authorization network to authenticate the communication device.
摘要翻译：用于由通信设备生成访问凭证的过程可以包括：当通信设备上次过渡到非活动状态时，确定通信设备是否成功执行了预定的关闭序列;确定通信设备是否已经同步在转换回活动状态之后与授权网络进行通信，并生成包括时间戳的访问证书。访问证书可以指示访问证书是否具有可靠的时间戳信息。访问证书可被提供给与授权网络相关联的访问设备以认证通信设备。

2. 发明申请

WO2017152186A3 MID-RANGE READER INTERACTIONS 审中-公开
公开(公告)号：WO2017152186A3
公开(公告)日：2017-09-08
申请号：PCT/US2017/020985
申请日：2017-03-06
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： JIN, Jing , BELLENGER, Thomas , AABYE, Christian , CARROLL, Bryan
IPC分类号： H04W4/00 , H04W4/06 , H04W12/06 , H04W76/02 , G06K17/00
摘要： A reader device may include a midrange wireless transceiver, a controller coupled to the midrange wireless transceiver, and a memory coupled to the controller. The memory may store executable code, which when executed by the controller, causes the reader device to implement various operations including maintaining a transaction service attributes database in the memory. The operations may also include broadcasting a beacon including a transaction service indicator at a periodic interval using the midrange wireless transceiver, receiving a connection request from a communication device, and establishing a wireless connection with the communication device. The operations may further include performing an application selection process with the communication device, performing application data processing with the communication device, and performing authorization request processing for the communication device.

3. 发明申请

WO2017019972A1 SYSTEM AND METHOD FOR CONDUCTING TRANSACTIONS USING BIOMETRIC VERIFICATION 审中-公开
标题翻译：使用生物鉴定进行交易的系统和方法
公开(公告)号：WO2017019972A1
公开(公告)日：2017-02-02
申请号：PCT/US2016/044761
申请日：2016-07-29
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： WAGNER, Kim , JIN, Jing , DE OLIVEIRA, Marcelo , AABYE, Christian
IPC分类号： G06Q20/40 , G06Q20/30 , G06Q20/38
CPC分类号： G06Q20/40145 , G06Q20/341
摘要： A biometric verification system is disclosed. The system includes a portable device which stores a biometric reference template and authentication preferences. The portable device can be used with an access device. The access device can prompt the user for a biometric sample, The access device may create a biometric sample template from the biometric sample, and the biometric sample template can be compared to the biometric reference template to determine if a user is authentic.
摘要翻译：公开了生物识别验证系统。该系统包括存储生物特征参考模板和认证偏好的便携式设备。便携式设备可以与接入设备一起使用。访问设备可以提示用户生物测定样本。访问设备可以从生物特征样本创建生物特征样本模板，并且可以将生物特征样本模板与生物特征参考模板进行比较，以确定用户是否可信。

4. 发明申请

WO2016149463A1 MULTI-DEVICE TRANSACTION VERIFICATION 审中-公开
标题翻译：多设备交易验证
公开(公告)号：WO2016149463A1
公开(公告)日：2016-09-22
申请号：PCT/US2016/022792
申请日：2016-03-17
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： WAGNER, Kim , SHEETS, John , NELSEN, Mark , JIN, Jing
IPC分类号： G06Q20/36 , G06Q20/38 , G06Q20/32
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。在用户进行与便携式交易设备的交易的稍后时间，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。

5. 发明申请

WO2018022104A1 MULTI-DEVICE AUTHENTICATION PROCESS AND SYSTEM UTILIZING CRYPTOGRAPHIC TECHNIQUES 审中-公开
标题翻译：多设备认证过程和系统使用密码技术
公开(公告)号：WO2018022104A1
公开(公告)日：2018-02-01
申请号：PCT/US2016/044832
申请日：2016-07-29
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： SHEETS, John F. , WAGNER, Kim R. , AABYE, Christian , JIN, Jing
IPC分类号： H04L9/32 , G06F21/30
摘要： In a system for verifying transactions, when a user with a portable communication device nears a resource provider location, the portable communication device provides an indication to a transaction processing system of its proximity to the location. The portable communication device then provides a universally unique identifier (UUID) of a base station of the resource provider to the transaction processing system, which generates a hash using the UUID and a primary account number (PAN) of a portable transaction device that is associated with the portable communication device. When the user conducts a transaction with the portable transaction device at the provider, the provider generates a separate hash from the UUID and the PAN and sends the hash to the transaction processing system, A match between the hashes is taken into account as a positive indicator that the transaction is not fraudulent and the resource provider is complying with the system.
摘要翻译：在用于验证交易的系统中，当具有便携式通信设备的用户接近资源提供者位置时，便携式通信设备向交易处理系统提供其与该位置的接近度的指示。便携式通信设备然后向资源提供者的基站提供通用唯一标识符（UUID）给交易处理系统，该交易处理系统使用UUID和与之关联的便携式交易设备的主帐号（PAN）来生成散列与便携式通信设备。当用户与提供者处的便携式交易设备进行交易时，提供者从UUID和PAN生成单独的散列，并将该散列发送到交易处理系统。散列之间的匹配被考虑作为正指示符该交易不是欺诈行为，资源提供商正在遵守该系统。

6. 发明申请

WO2017004466A1 CONFIDENTIAL AUTHENTICATION AND PROVISIONING 审中-公开
标题翻译：机密认证和提供
公开(公告)号：WO2017004466A1
公开(公告)日：2017-01-05
申请号：PCT/US2016/040586
申请日：2016-06-30
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： LE SAINT, Eric , JIN, Jing , AABYE, Christian
IPC分类号： H04L9/32 , H04L9/08 , H04L9/30
CPC分类号： H04L9/0844 , H04L9/0869 , H04L9/14 , H04L9/3242 , H04L9/3265 , H04L9/3268 , H04L9/3273 , H04L63/0428 , H04L63/0442 , H04L63/061 , H04L63/0869 , H04L2209/04 , H04L2209/08 , H04L2209/38 , H04L2209/56
摘要： Some embodiments provide systems and methods for confidentially and securely provisioning data to an authenticated user device. A user device may register an authentication public key with an authentication server. The authentication public key may be signed by an attestation private key maintained by the user device. Once the user device is registered, a provisioning server may send an authentication request message including a challenge to the user device. The user device may sign the challenge using an authentication private key corresponding to the registered authentication public key, and may return the signed challenge to the provisioning server. In response, the provisioning server may provide provisioning data to the user device. The registration, authentication, and provisioning process may use public key cryptography while maintaining confidentiality of the user device, the provisioning server, and then authentication server.
摘要翻译：一些实施例提供了用于向认证的用户设备保密地和安全地提供数据的系统和方法。用户设备可以向认证服务器注册认证公钥。认证公钥可以由用户设备维护的认证私钥进行签名。一旦用户设备被注册，配置服务器可以向用户设备发送包括质询的认证请求消息。用户设备可以使用与注册的认证公钥相对应的认证私钥来签署质询，并且可以将签名的质询返回给供应服务器。作为响应，供应服务器可以向用户设备提供供应数据。注册，认证和配置过程可以在维护用户设备，配置服务器，然后认证服务器的机密性的同时使用公钥密码术。

7. 发明申请

WO2017152186A2 MID-RANGE READER INTERACTIONS 审中-公开
标题翻译：中档读者互动
公开(公告)号：WO2017152186A2
公开(公告)日：2017-09-08
申请号：PCT/US2017/020985
申请日：2017-03-06
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： JIN, Jing , BELLENGER, Thomas , AABYE, Christian , CARROLL, Bryan
IPC分类号： H04W4/00 , H04W4/06 , H04W12/06 , H04W76/02 , G06K17/00
CPC分类号： G06Q20/327 , G06Q20/3224 , G06Q20/3226 , G06Q20/325 , G06Q20/3278 , G06Q20/405
摘要： A reader device may include a midrange wireless transceiver, a controller coupled to the midrange wireless transceiver, and a memory coupled to the controller. The memory may store executable code, which when executed by the controller, causes the reader device to implement various operations including maintaining a transaction service attributes database in the memory. The operations may also include broadcasting a beacon including a transaction service indicator at a periodic interval using the midrange wireless transceiver, receiving a connection request from a communication device, and establishing a wireless connection with the communication device. The operations may further include performing an application selection process with the communication device, performing application data processing with the communication device, and performing authorization request processing for the communication device.
摘要翻译：读取器设备可以包括中端无线收发器，耦合到中端无线收发器的控制器以及耦合到控制器的存储器。存储器可以存储可执行代码，所述可执行代码在由控制器执行时使读取器设备实施各种操作，包括在存储器中维护交易服务属性数据库。操作还可以包括使用中端无线收发器以定期间隔广播包括交易服务指示符的信标，从通信设备接收连接请求并且建立与通信设备的无线连接。操作可以进一步包括利用通信设备执行应用程序选择处理，利用通信设备执行应用程序数据处理，并且执行对通信设备的授权请求处理。

8. 发明公开

EP3491776A1 MULTI-DEVICE AUTHENTICATION PROCESS AND SYSTEM UTILIZING CRYPTOGRAPHIC TECHNIQUES 有权
公开(公告)号：EP3491776A1
公开(公告)日：2019-06-05
申请号：EP16910763.8
申请日：2016-07-29
申请人： Visa International Service Association
发明人： SHEETS, John F. , WAGNER, Kim R. , AABYE, Christian , JIN, Jing
IPC分类号： H04L9/32 , G06F21/30

9. 发明公开

EP3318003A1 CONFIDENTIAL AUTHENTICATION AND PROVISIONING 有权
标题翻译：机密认证和配置
公开(公告)号：EP3318003A1
公开(公告)日：2018-05-09
申请号：EP16818853.0
申请日：2016-06-30
申请人： Visa International Service Association
发明人： LE SAINT, Eric , JIN, Jing , AABYE, Christian
IPC分类号： H04L9/32 , H04L9/08 , H04L9/30
CPC分类号： H04L9/3273 , H04L9/0844 , H04L9/0869 , H04L9/14 , H04L9/3242 , H04L9/3265 , H04L9/3268 , H04L63/0428 , H04L63/0442 , H04L63/061 , H04L63/0869 , H04L2209/04 , H04L2209/08 , H04L2209/38 , H04L2209/56
摘要： A computer-implemented method for performing communications between a first computer and a second computer, the method comprising performing, by the first computer: receiving a first message including a second computer blinded public key from the second computer, wherein the second computer blinded public key is generated by the second computer using a second computer blinding factor and a second computer public key that corresponds to a second computer private key; generating a first computer blinded public key using a first computer blinding factor and a first computer public key; generating a first shared secret using a first computer private key corresponding to the first computer public key, the first computer blinding factor, and the second computer blinded public key; sending a second message including the first computer blinded public key to the second computer, thereby enabling the second computer to generate the first shared secret using the first computer blinded public key, the second computer blinding factor, and the second computer private key corresponding to the second computer public key; and communicating with the second computer using the first shared secret.

10. 发明公开

EP4280102A2 MID-RANGE READER INTERACTIONS 审中-实审
公开(公告)号：EP4280102A2
公开(公告)日：2023-11-22
申请号：EP23200978.7
申请日：2017-03-06
申请人： Visa International Service Association
发明人： JIN, Jing , BELLENGER, Thomas , AABYE, Christian , CARROLL, Bryan
IPC分类号： G06K17/00
摘要： A reader device may include a midrange wireless transceiver, a controller coupled to the midrange wireless transceiver, and a memory coupled to the controller. The memory may store executable code, which when executed by the controller, causes the reader device to implement various operations including maintaining a transaction service attributes database in the memory. The operations may also include broadcasting a beacon including a transaction service indicator at a periodic interval using the midrange wireless transceiver, receiving a connection request from a communication device, and establishing a wireless connection with the communication device. The operations may further include performing an application selection process with the communication device, performing application data processing with the communication device, and performing authorization request processing for the communication device.

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