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1. 发明申请

WO2020159896A1 TERMINAL TYPE IDENTIFICATION IN INTERACTION PROCESSING 审中-公开
公开(公告)号：WO2020159896A1
公开(公告)日：2020-08-06
申请号：PCT/US2020/015272
申请日：2020-01-27
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： SHENKER, Gavin , SULLIVAN, Brian , AABYE, Christian , NGO, Hao
IPC分类号： G06Q20/40 , G06Q20/32 , G06Q20/36 , H04W4/30 , H04W4/12
摘要： A method is disclosed. The method includes receiving, by a user device from an access device, an available applications request message. The available applications request message includes an access device type identifier. The method also includes determining whether an association exists between the access device type identifier and one or more application identifiers of a plurality of application identifiers stored on the user device. The plurality of application identifiers respectively correspond to different applications on the user device. The method also includes transmitting, by the user device, to the access device, based in part on whether the association exists, an available applications response. The available applications response includes the one or more application identifiers of the plurality of application identifiers associated with the access device type identifier.

2. 发明申请

WO2010141233A2 CONTACTLESS DISABLEMENT 审中-公开
标题翻译：无关紧要
公开(公告)号：WO2010141233A2
公开(公告)日：2010-12-09
申请号：PCT/US2010/035645
申请日：2010-05-20
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , WILSON, Dave, William , RIFAAT, Omar , NGO, Hao
发明人： WILSON, Dave, William , RIFAAT, Omar , NGO, Hao
IPC分类号： H04B5/02 , G06K19/00 , H04B1/40 , G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/352 , G06K19/07336 , G06Q20/204 , G06Q20/341 , G06Q20/354 , G06Q30/06 , G06Q40/02 , G07F7/10 , H04B5/00 , H04M1/72519
摘要： A method for controlling a contactless interface on a dual interface portable device are provided. The method allows for contactless enablement and disablement on both a temporary and semi-permanent basis, dependent on commands sent to the device by the issuer of the portable device. The commands are received through a terminal device and are transferred to the portable device during a contact transaction. Configuration data on the portable device is modified according to the received commands. An application on the portable device controls the transmission of data through the contactless interface dependent on the configuration data.
摘要翻译：提供了一种用于控制双接口便携式设备上的非接触式接口的方法。该方法允许基于临时和半永久性的非接触式启用和禁用，这取决于便携式设备的发行者发送给设备的命令。这些命令通过终端设备接收，并且在联系交易期间被传送到便携式设备。根据接收到的命令修改便携式设备上的配置数据。便携式设备上的应用依赖于配置数据来控制通过非接触式接口的数据传输。

3. 发明申请

WO2010033944A2 OVER THE AIR MANAGEMENT OF PAYMENT APPLICATION INSTALLED IN MOBILE DEVICE 审中-公开
标题翻译：在移动设备上安装的付款应用程序的空中管理
公开(公告)号：WO2010033944A2
公开(公告)日：2010-03-25
申请号：PCT/US2009/057732
申请日：2009-09-21
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , AABYE, Christian , BRAND, Olivier , LINDELSEE, Mike , MIRIZZI, Joseph , NGO, Hao , SHENKER, Gavin , WHITE, Lauren , WILSON, David
发明人： AABYE, Christian , BRAND, Olivier , LINDELSEE, Mike , MIRIZZI, Joseph , NGO, Hao , SHENKER, Gavin , WHITE, Lauren , WILSON, David
IPC分类号： G06Q20/00 , H04B1/40
CPC分类号： G06Q20/3227 , G06Q20/32 , G06Q20/325 , G06Q20/40 , G06Q20/401 , G06Q20/4014 , G06Q40/00 , H04L63/102
摘要： Systems, apparatus, and methods for managing a payment application installed on a mobile device, such as a mobile phone are provided. An Issuer of a payment device can remotely control the payment application by instructing a wireless network carrier or operator to transmit a message to the mobile phone, where the message contains an instruction to perform an operation related to the payment application. The Issuer can remotely reset a counter or a password associated with the payment application, lock or unlock a payment application, and set the access control data to a predetermined value, to prevent unauthorized use of the payment application in the situation in which the mobile phone is lost or stolen, or the Issuer desires to limit access to the payment application for other reasons, such as limiting its exposure to unauthorized uses of the payment device.
摘要翻译：提供了用于管理安装在诸如移动电话的移动设备上的支付应用的系统，装置和方法。支付设备的发行者可以通过指示无线网络运营商或运营商向移动电话发送消息来远程控制支付应用，其中消息包含执行与支付应用相关的操作的指令。发行人可以远程重置与支付应用相关联的计数器或密码，锁定或解锁支付应用，并将访问控制数据设置为预定值，以防止在移动电话的情况下未经授权使用支付应用丢失或被盗，或者发行人希望由于其他原因限制对付款申请的访问，例如限制其对付款设备的未经授权的使用。

4. 发明申请

WO2010033972A1 METHOD OF PERFORMING TRANSACTIONS WITH CONTACTLESS PAYMENT DEVICES USING PRE-TAP AND TWO-TAP OPERATIONS 审中-公开
标题翻译：使用前置和双TAP操作对接触式付款设备执行交易的方法
公开(公告)号：WO2010033972A1
公开(公告)日：2010-03-25
申请号：PCT/US2009/057802
申请日：2009-09-22
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , AABYE, Christian , NGO, Hao , WILSON, David
发明人： AABYE, Christian , NGO, Hao , WILSON, David
IPC分类号： G06K19/00
CPC分类号： G06Q20/40 , G06Q20/10 , G06Q20/20 , G06Q20/204 , G06Q20/322 , G06Q20/3278 , G06Q20/382 , G06Q20/3829
摘要： A system, apparatus, and method for processing payment transactions that are conducted using a mobile payment device that includes a contactless element, such as an integrated circuit chip. The invention enables one or more of the operations of activation of a payment application, transfer of transaction data, updating of account records, setting or re-setting of a payment application counter or register, or transfer or processing of a script, command, or instruction, with these functions being performed with minimal impact on a consumer. This is accomplished by introducing a pre-tap and/or two-tap operation prior to, or as part of, the transaction flow.
摘要翻译：一种用于处理支付交易的系统，装置和方法，所述系统，装置和方法使用包括诸如集成电路芯片的非接触元件的移动支付设备进行。本发明实现了支付应用程序的激活，交易数据的传送，帐户记录的更新，支付应用程序计数器或注册的设置或重新设置，脚本，命令或指令，这些功能的执行对消费者的影响最小。这是通过在交易流之前或作为交易流程的一部分引入预抽头和/或双抽头操作来实现的。

5. 发明申请

WO2010033967A1 APPARATUS AND METHOD FOR PREVENTING UNAUTHORIZED ACCESS TO PAYMENT APPLICATION INSTALLED IN CONTACTLESS PAYMENT DEVICE 审中-公开
标题翻译：用于预防未经授权访问的设备和方法安装在无连接支付设备中的应用程序
公开(公告)号：WO2010033967A1
公开(公告)日：2010-03-25
申请号：PCT/US2009/057791
申请日：2009-09-22
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , AABYE, Christian , NGO, Hao , WILSON, David
发明人： AABYE, Christian , NGO, Hao , WILSON, David
IPC分类号： G06K5/00
CPC分类号： G06Q20/32 , G06Q20/10 , G06Q20/20 , G06Q20/204 , G06Q20/322 , G06Q20/382 , G06Q20/3829 , G06Q20/40
摘要： A system, apparatus, and method for preventing the unauthorized access to a payment application installed on a mobile payment device, or to transaction data stored in the device. The mobile payment device may be a mobile phone that includes a contactless element (such as a contactless smart chip) and that is capable of communication and data transfer using a wireless communications network and a near field communications capability. Unauthorized access to the payment application is prevented by requiring that access control data be received from a trusted source, such as a controller or application in charge of managing inputs from a phone keypad, in order to activate the payment application or to access stored data.
摘要翻译：一种用于防止未经授权的访问安装在移动支付设备上的支付应用程序或者存储在设备中的交易数据的系统，装置和方法。移动支付设备可以是包括非接触元件（例如非接触式智能芯片）并且能够使用无线通信网络和近场通信能力进行通信和数据传输的移动电话。通过要求从可信源（例如负责管理来自电话键盘的输入的控制器或应用程序）接收访问控制数据以便激活支付应用或访问存储的数据来防止对该付款应用程序的非授权访问。

6. 发明申请

WO2022109020A1 INTEGRATING IDENTITY TOKENS AND PRIVACY-PRESERVING IDENTITY ATTRIBUTE ATTESTATIONS INTO INTERACTIONS 审中-公开
公开(公告)号：WO2022109020A1
公开(公告)日：2022-05-27
申请号：PCT/US2021/059717
申请日：2021-11-17
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： WAGNER, Kim , SULLIVAN, Brian , SLOAN, Dinah , NGO, Hao , WATSON, Gaven James , ARORA, Sunpreet Singh , BADRINARAYANAN, Saikrishna , RAGHURAMAN, Srinivasan
IPC分类号： H04L9/32 , H04L9/08 , H04L9/40
摘要： A method is disclosed. The method comprises receiving, by an identity network computer, a query set including a plurality of test identity attributes. After receiving the query set, the identity network computer may retrieve derivatives of identity attributes associated with a user, and an encrypted trapdoor, then compute an obscured query set using the query set, and optionally the derivatives of identity attributes. The identity network computer may transmit the obscured query set (i) and the encrypted trapdoor to a user device associated with the user, which generates and transmits a first modified trapdoor and the obscured query set to a relying party computer, or (ii) and a second modified trapdoor to the relying party computer. The relying party computer may thereafter use the obscured query set, and the first modified trapdoor or the second modified trapdoor, to determine if the identity attributes is a member of the query set.

7. 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。

8. 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。

9. 发明申请

WO2011153281A2 TRUSTED INTERNAL INTERFACE 审中-公开
标题翻译： TRUSTED内部界面
公开(公告)号：WO2011153281A2
公开(公告)日：2011-12-08
申请号：PCT/US2011/038817
申请日：2011-06-01
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , MAKHOTIN, Oleg , HILL, Trudy , WONG, Erick , MAKARENKO, Oleg , NGO, Hao , AABYE, Christian , THAW, William Alexander
发明人： MAKHOTIN, Oleg , HILL, Trudy , WONG, Erick , MAKARENKO, Oleg , NGO, Hao , AABYE, Christian , THAW, William Alexander
IPC分类号： G06Q20/00
CPC分类号： G06Q20/322 , G06Q20/10 , G06Q20/105 , G06Q20/202 , G06Q20/32 , G06Q20/3226 , G06Q20/3229 , G06Q20/327 , G06Q20/3278 , G06Q20/34 , G06Q20/3563 , G06Q20/357 , G06Q20/3574 , G06Q30/0226 , G06Q30/0641 , G07F7/10
摘要： An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.
摘要翻译：支付设备的接口和设备架构。安装在支付设备中的支付应用程序和还安装在支付设备中的一个或多个增值应用程序（例如忠诚度程序，转接应用程序等）之间的界面。 API或接口设计允许支付应用程序和一个或多个增值应用程序之间的通信和数据传输。这减少了（并且在某些情况下可能阻止）需要后端服务器处理可能与支付交易和增值应用程序的功能相关的数据。类似地，相同或另一个API或接口可以实现增值应用和支付应用之间的通信和数据传输。

10. 发明申请

WO2010033968A1 OVER THE AIR UPDATE OF PAYMENT TRANSACTION DATA STORED IN SECURE MEMORY 审中-公开
标题翻译：在安全存储器中存储的付款交易数据的空气更新
公开(公告)号：WO2010033968A1
公开(公告)日：2010-03-25
申请号：PCT/US2009/057794
申请日：2009-09-22
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , AABYE, Christian , NGO, Hao , WILSON, David , ZEIDEN, Gustavo , PITCHFORD, Chris , PIRZADEH, Kiushan
发明人： AABYE, Christian , NGO, Hao , WILSON, David , ZEIDEN, Gustavo , PITCHFORD, Chris , PIRZADEH, Kiushan
IPC分类号： G06Q20/00
CPC分类号： G06Q20/32 , G06Q20/10 , G06Q20/20 , G06Q20/204 , G06Q20/322 , G06Q20/382 , G06Q20/3829 , G06Q20/40
摘要： A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. The invention enables the updating, correction or synchronization of transaction data maintained by an Issuer with that stored on the device. This is accomplished by using a wireless (cellular) network as a data communication channel for data provided by an Issuer to the mobile device, and is particularly advantageous in circumstances in which the contactless element is not presently capable of communication with a device reader or point of sale terminal that uses a near field communications mechanism. Data transferred between the mobile device and Issuer may be encrypted and decrypted to provide additional security and protect the data from being accessed by other users or applications.
摘要翻译：一种用于处理使用包括诸如集成电路芯片的非接触元件的移动设备进行的支付交易的系统，装置和方法。本发明能够通过存储在设备上的发行者来维护交易数据的更新，校正或同步。这通过使用无线（蜂窝）网络作为由发行者向移动设备提供的数据的数据通信信道来实现，并且在非接触元件当前不能与设备读取器或点通信的情况下是特别有利的的使用近场通信机制的销售终端。在移动设备和发卡行之间传送的数据可以被加密和解密，以提供额外的安全性并保护数据不被其他用户或应用程序访问。

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