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21. 发明申请

WO2022173930A1 PRIVACY PRESERVING IDENTITY DATA EXCHANGE BASED ON HYBRID ENCRYPTION 审中-公开
公开(公告)号：WO2022173930A1
公开(公告)日：2022-08-18
申请号：PCT/US2022/015949
申请日：2022-02-10
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： ARORA, Sunpreet , BADRINARAYANAN, Saikrishna , RAGHURAMAN, Srinivasan , WAGNER, Kim , WATSON, Gaven
IPC分类号： H04L9/14 , H04L9/06 , H04L9/08 , H04L9/40
摘要： A method is disclosed. The method includes receiving, by a processing network computer from a relying party computer associated with a relying party, a request for data associated with a user operating a user device. The processing network computer may retrieve first encrypted data of the user having a user-layer of encryption. The processing computer can then generate a second symmetric key to add a relying party-layer of encryption to the first encrypted data using a stream cipher. The doubly encrypted data may be transmitted to a user device that removes the user-layer of encryption on the first doubly encrypted data, and then adds a second relying party-layer of encryption to form second doubly encrypted data. The second doubly encrypted data may be transmitted to the relying party computer, which can remove both relying party-layers of encryption to gain access to the data associated with the user.

22. 发明申请

WO2019226999A1 EFFICIENT CONCURRENT SCALAR PRODUCT CALCULATION 审中-公开
公开(公告)号：WO2019226999A1
公开(公告)日：2019-11-28
申请号：PCT/US2019/033933
申请日：2019-05-24
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： WAGNER, Kim
IPC分类号： H04L9/30 , H04L9/00 , H04L9/08 , H04L9/14
摘要： A method and system for performing a calculation of a privacy preserving scalar product are provided. A first party and a second party (e.g., a first computer and a second computer) possessing a first vector and a second vector respectively, can concurrently determine the scalar product of the two vectors, without revealing either vector to the other party. Each vector can be masked and then encrypted using a public key of an asymmetric key pair. Using homomorphic encryption operations, the scalar product of the vectors can be determined while the vectors are still encrypted. Each party can compare the scalar product, or a value derived from the scalar product against a predetermined threshold. As an example, two parties can perform the scalar product to compare two biometric templates expressed as vectors without revealing the biometric templates to one another, preserving the privacy of persons corresponding to those biometrics.

23. 发明申请

WO2018098076A3 ASSURANCE EXCHANGE 审中-公开
公开(公告)号：WO2018098076A3
公开(公告)日：2018-05-31
申请号：PCT/US2017/062572
申请日：2017-11-20
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： WAGNER, Kim
IPC分类号： G06F21/31 , G06F21/45 , H04L9/32 , H04L12/58 , G06F21/55 , G06F21/57
摘要： Systems and methods for facilitating an exchange of assurance for an individual transaction are disclosed. A method includes receiving an authorization request message for a transaction from an access device, and determining a coverage entity from a plurality of coverage entities for the transaction, the plurality of coverage entities available to provide coverage for the transaction. The method also includes linking, by the server computer, the coverage entity to the transaction, and transmitting, an authorization response message to the access device.

24. 发明申请

WO2016178780A1 METHOD AND SYSTEM FOR PROVISIONING ACCESS DATA TO MOBILE DEVICE 审中-公开
标题翻译：用于向移动设备提供访问数据的方法和系统
公开(公告)号：WO2016178780A1
公开(公告)日：2016-11-10
申请号：PCT/US2016/026241
申请日：2016-04-06
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： POWELL, Glenn , SHEETS, John , WAGNER, Kim
IPC分类号： H04L9/32 , G06F21/00
CPC分类号： H04W12/04 , G06F21/31 , G06F21/45 , G06Q20/32 , G06Q20/322 , G06Q20/40 , H04L9/3247 , H04L63/08 , H04W12/06 , H04W12/08
摘要： A method and system for provisioning access data in a second application on a mobile device using a first application on the mobile device. Authentication data may be input into the first application, and an authentication code may be requested from a remote server. The authentication code may include access data to be provisioned, in encrypted form. After the authentication code is received by the first application in the mobile device, it can pass the authentication code to a second application that initiates an access data provisioning process.
摘要翻译：一种在移动设备上使用移动设备上的第一应用在第二应用中提供访问数据的方法和系统。认证数据可以被输入到第一应用中，并且可以从远程服务器请求认证码。验证码可以包括以加密形式提供的访问数据。在移动设备中的第一应用程序接收到认证码之后，它可以将认证码传递给发起访问数据提供处理的第二应用。

25. 发明申请

WO2016175914A2 TRANSACTION SIGNING UTILIZING ASYMMETRIC CRYPTOGRAPHY 审中-公开
标题翻译：交易签收使用不对称CRYPTOGRAPHY
公开(公告)号：WO2016175914A2
公开(公告)日：2016-11-03
申请号：PCT/US2016/019850
申请日：2016-02-26
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： CLARK, Adam , WAGNER, Kim
CPC分类号： G06Q20/02 , G06Q20/0655 , G06Q20/28 , G06Q20/3274 , G06Q20/341 , G06Q20/3678 , G06Q20/38215 , G06Q20/3825 , G06Q2220/00 , H04L9/3236 , H04L2209/38 , H04L2209/56
摘要： Embodiments relate to systems, apparatuses, and methods for performing transaction signing utilizing asymmetric cryptography and a private ledger. A transaction data is signed by a user device using a private key, and may be utilized in an authorization request message without including a real credential of the user. A transaction verification and accounting module (TVAM) can verify the signed transaction data and can continue processing the transaction.
摘要翻译：实施例涉及利用非对称加密和私有分类帐执行交易签名的系统，装置和方法。交易数据由使用私钥的用户设备签名，并且可以在授权请求消息中使用，而不包括用户的真实证书。交易验证和计费模块（TVAM）可以验证签名的交易数据，并可以继续处理交易。

26. 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。

27. 发明申请

WO2015103216A1 LOCATION OBFUSCATION FOR AUTHENTICATION 审中-公开
标题翻译：位置验证验证
公开(公告)号：WO2015103216A1
公开(公告)日：2015-07-09
申请号：PCT/US2014/072686
申请日：2014-12-30
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： WAGNER, Kim , SHEETS, John
IPC分类号： G06Q20/42 , G06Q40/02
CPC分类号： G06Q20/4016 , G06Q20/02 , G06Q20/3224 , H04W4/02 , H04W4/70
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 users 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。

28. 发明申请

WO2013134299A1 AUTHENTICATION USING BIOMETRIC TECHNOLOGY THROUGH A CONSUMER DEVICE 审中-公开
标题翻译：通过消费者设备使用生物技术的认证
公开(公告)号：WO2013134299A1
公开(公告)日：2013-09-12
申请号：PCT/US2013/029177
申请日：2013-03-05
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： SHEETS, John F. , WAGNER, Kim
IPC分类号： G06K9/00 , G06K9/20 , G06Q20/40
CPC分类号： G06Q20/40145 , G06F21/32 , G06F21/40 , G06F21/577 , G06F21/72 , G06F21/82 , G06F2221/2101 , G06F2221/2151 , G06Q20/385 , G06Q20/389 , G06Q20/4016 , H04L9/3231 , H04L63/0861 , H04L2209/56 , H04L2463/102
摘要： Embodiments of the invention provide strong user authentication on a trusted consumer device without requiring the user to go through a formal registration process with the issuer or payment processing network. Certain embodiments allow the use of any biometric technology (e.g., fingerprint scan, iris scan, voice recognition, etc.) supported by their consumer device (e.g., smart phone, tablet computer) to authenticate the user. Additionally, the consumer device provides unforgeable evidence of the biometric match in the form of a biometric digital artifact to provide proof to a payment processing network that the match occurred. The payment processing network maintains a history of these authenticated transactions and biometric digital artifacts and as more and more non-fraudulent authenticated transactions occur over time, a higher level of trust (i.e., lower risk) is associated with the consumer device, biometric registration process, and the user.
摘要翻译：本发明的实施例在可信赖的消费者设备上提供强大的用户认证，而不需要用户通过与发行者或支付处理网络的正式注册过程。某些实施例允许使用其消费者设备（例如，智能电话，平板电脑）支持的任何生物特征技术（例如，指纹扫描，虹膜扫描，语音识别等）来认证用户。此外，消费者设备以生物特征数字人工制品的形式提供不可伪造的生物特征匹配证据，以向匹配发生的支付处理网络提供证据。支付处理网络维护这些认证交易和生物识别数字工件的历史，并且随着越来越多的非欺诈性认证交易随时间发生，更高水平的信任（即较低风险）与消费者设备，生物特征注册过程，和用户。

29. 发明申请

WO2009032858A2 ACCOUNT TRANSACTION FRAUD DETECTION 审中-公开
标题翻译：帐户交易欺诈检测
公开(公告)号：WO2009032858A2
公开(公告)日：2009-03-12
申请号：PCT/US2008/075146
申请日：2008-09-03
申请人： VISA U.S.A. INC. , SHEETS, John, Foxe , WAGNER, Kim
发明人： SHEETS, John, Foxe , WAGNER, Kim
IPC分类号： G06Q20/00
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.
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。随后，从包含帐户和敏感数据字段的交易数据的商家接收另一交易的第一传输。使用敏感数据字段，尝试检索包含来自先前交易的数据的交易数据记录，其中包括进行上一个交易的账户。作为进行先前交易的相应帐户被加密的敏感数据字段通过使用生成的按键的逐个字符的模数运算被加密。如果检索到交易数据记录，则发送第二个发送，其中包含在敏感数据字段中在加密帐户上进行交易的尝试的欺诈通知。如果没有交易数据记录的检索，则发送包含无欺诈通知的第三传输。

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