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21. 发明申请

WO2015179637A1 OFFLINE AUTHENTICATION 审中-公开
标题翻译：离线认证
公开(公告)号：WO2015179637A1
公开(公告)日：2015-11-26
申请号：PCT/US2015/031968
申请日：2015-05-21
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： WONG, Erick , AABYE, Christian , FLURSCHEIM, Christian , JONES, Christopher
IPC分类号： H04W12/06 , H04L9/32
CPC分类号： G06Q20/3829 , G06Q20/401 , G06Q2220/00 , H04L9/3234 , H04L9/3236 , H04L9/3247 , H04L9/3263 , H04L9/3297 , H04L63/0823 , H04L63/126 , H04L2209/56 , H04W4/60 , H04W12/06 , H04W12/10
摘要： Techniques for enhancing the security of a communication device when conducting a transaction using the communication device may include using a limited-use key (LUK) to generate a transaction cryptogram, and using a signature key to generate a signature. The transaction can be an offline data authentication transaction, and access can be granted based on authentication of the signature prior to verifying the transaction cryptogram.
摘要翻译：用于在使用通信设备进行交易时增强通信设备的安全性的技术可以包括使用有限使用密钥（LUK）来生成交易密码，并且使用签名密钥来生成签名。事务可以是离线数据认证交易，并且可以在验证交易密码之前基于签名的认证来授予访问权限。

22. 发明申请

WO2015009765A1 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：WO2015009765A1
公开(公告)日：2015-01-22
申请号：PCT/US2014/046764
申请日：2014-07-15
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
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
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。

23. 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.

24. 发明申请

WO2015120082A1 TOKEN VERIFICATION USING LIMITED USE CERTIFICATES 审中-公开
标题翻译：使用有限证书使用证书的TOKEN验证
公开(公告)号：WO2015120082A1
公开(公告)日：2015-08-13
申请号：PCT/US2015/014504
申请日：2015-02-04
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： AABYE, Christian , SULLIVAN, Brian , WILSON, Dave
IPC分类号： H04L9/32
CPC分类号： H04L9/3234 , G06Q20/3278 , G06Q20/352 , G06Q20/38215 , H04L9/3213 , H04L9/3268
摘要： Methods, devices, and systems are provided for verifying tokens using limited-use certificates. For example, a user device can send a token request to a token provider computer, and receive in response a token and a token certificate associated with the token. The token certificate may include, for example, a hash of the token and a digital signature by the token provider computer or another trusted entity. The user device can provide the token and the token certificate to an access device. The access device can verify the token using the token certificate, and verify the token certificate using a digital signature. In some cases, the token and token certificate may be verified offline. The access device can then conduct a transaction using the token.
摘要翻译：提供了使用有限使用证书验证令牌的方法，设备和系统。例如，用户设备可以向令牌提供者计算机发送令牌请求，并且响应地接收与令牌相关联的令牌和令牌证书。令牌证书可以包括例如令牌的哈希和令牌提供者计算机或另一可信实体的数字签名。用户设备可以向接入设备提供令牌和令牌证书。访问设备可以使用令牌证书验证令牌，并使用数字签名验证令牌证书。在某些情况下，可以离线验证令牌和令牌证书。然后，访问设备可以使用令牌进行事务处理。

25. 发明申请

WO2015042311A1 SYSTEMS AND METHODS FOR MANAGING MOBILE ACCOUNT HOLDER VERIFICATION METHODS 审中-公开
标题翻译：用于管理移动账户持有人验证方法的系统和方法
公开(公告)号：WO2015042311A1
公开(公告)日：2015-03-26
申请号：PCT/US2014/056388
申请日：2014-09-18
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： WONG, Erick , PIRZADEH, Kiushan , AABYE, Christian
IPC分类号： G06Q20/40 , G06Q20/36
CPC分类号： G06Q20/401 , G06Q20/322 , G06Q20/36 , G06Q20/3674 , G06Q40/02
摘要： Embodiments of the invention are directed to methods, apparatuses, computer readable media and systems for coordinating account holder verification methods among secure entity applications and wallet applications from different issuers, wallet providers, etc. on mobile devices. A common payment management application may be provided in a trusted execution environment associated with a mobile device to support secure entity applications (e.g., provisioned payment application instances in the trusted execution environment) and mobile wallet applications (e.g., provisioned on a memory of the mobile device) to coordinate account holder verification methods. The common payment management application may be accessible by both mobile applications and the secure entity applications.
摘要翻译：本发明的实施例涉及方法，装置，计算机可读介质和用于协调安全实体应用程序之间的帐户持有者验证方法的系统和用于移动设备上的不同发行者，钱包提供商等的钱包应用程序。可以在与移动设备相关联的可信任执行环境中提供公共支付管理应用，以支持安全实体应用（例如，在可信执行环境中提供的支付应用实例）和移动钱包应用（例如，在移动设备的存储器上设备）来协调账户持有者的验证方法。普通支付管理应用程序可以由移动应用程序和安全实体应用程序访问。

26. 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。

27. 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。

28. 发明申请

WO2004034202A2 METHOD AND SYSTEM FOR FACILITATING DATA ACCESS AND MANAGEMENT ON A SECURE TOKEN 审中-公开
标题翻译：促进数据访问和安全管理的方法和系统
公开(公告)号：WO2004034202A2
公开(公告)日：2004-04-22
申请号：PCT/US2003/031780
申请日：2003-10-07
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： REED, Sonia , AABYE, Christian
IPC分类号： G06F
CPC分类号： G06F21/6218 , G06F21/77 , G06Q20/341 , G06Q20/35765 , G07F7/1008 , H04L63/0853
摘要： A system for facilitating data access and management on a smart card is provided. According to one exemplary aspect of the system, a storage architecture is provided in the smart card which allows data stored thereon to be shared by multiple parties. Access to data stored on the smart card is controlled by various access methods depending on the actions to be taken with respect to the data to be accessed.
摘要翻译：提供了一种便于智能卡上的数据访问和管理的系统。根据系统的一个示例性方面，在智能卡中提供存储架构，其允许存储在其上的数据由多方共享。根据要访问的数据采取的行动，对存储在智能卡上的数据的访问由各种访问方式控制。

29. 发明申请

WO2021178773A1 USER AUTHENTICATION AT ACCESS CONTROL SERVER USING MOBILE DEVICE 审中-公开
公开(公告)号：WO2021178773A1
公开(公告)日：2021-09-10
申请号：PCT/US2021/021044
申请日：2021-03-05
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： AABYE, Christian , PIERRE, Alexandre , CHROBOK, Pawel
IPC分类号： H04L29/06 , H04L9/32 , G06F21/31
摘要： A method is disclosed. The method includes receiving, by an access control server, an authentication request message comprising a credential or a token from an access device, after the access device receives the credential or the token from a portable device of a user. The method also includes responsive to receiving the authentication request message, transmitting, by the access control server, a challenge message to a user device associated with the user; generating, by the access control server, an authentication indicator. The method also includes transmitting, by the access control server, an authentication response message including the authentication indicator to the access device.

30. 发明申请

WO2021142010A1 UNIFIED CONTACTLESS KERNEL SYSTEM AND METHOD 审中-公开
公开(公告)号：WO2021142010A1
公开(公告)日：2021-07-15
申请号：PCT/US2021/012339
申请日：2021-01-06
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： AABYE, Christian
IPC分类号： G06F21/57 , G06F21/60 , G06F21/35
摘要： Embodiments relate to systems, apparatuses, and methods for performing access interactions between a user device and an access device. A method comprises receiving, by an access device with a single universal kernel comprising a plurality of interaction functionalities and a plurality of sub-kernels, data comprising a kernel identifier identifying a requested kernel of a plurality of kernels to perform an interaction. The access device with the single kernel may determine a first sub-kernel of a plurality of sub-kernels corresponding to an interaction functionality based on the kernel identifier. The access device with the single universal kernel may then process the interaction according to the interaction functionality corresponding to the determined sub-kernel.

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