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81. 发明申请

WO2009100347A1 KEY DELIVERY SYSTEM AND METHOD 审中-公开
标题翻译：关键输送系统及方法
公开(公告)号：WO2009100347A1
公开(公告)日：2009-08-13
申请号：PCT/US2009/033413
申请日：2009-02-06
申请人： VISA U.S.A. INC. , HAMMAD, Ayman , FAITH, Patrick
发明人： HAMMAD, Ayman , FAITH, Patrick
IPC分类号： H04L9/08 , H04L9/14 , H04L9/30
CPC分类号： H04L9/0822 , H04L2209/56
摘要： A method for delivering a key is disclosed. The method includes encrypting a first key using a second uniquely derived key to form an encrypted first key, and providing the encrypted first key to a transaction device. The transaction device contains the second uniquely derived key.
摘要翻译：公开了一种递送密钥的方法。该方法包括使用第二唯一导出密钥来加密第一密钥以形成加密的第一密钥，以及将加密的第一密钥提供给交易设备。交易设备包含第二唯一导出的密钥。

82. 发明申请

WO2008154165A1 SHIELDING OF PORTABLE CONSUMER DEVICE 审中-公开
标题翻译：便携式消费者设备的屏蔽
公开(公告)号：WO2008154165A1
公开(公告)日：2008-12-18
申请号：PCT/US2008/065081
申请日：2008-05-29
申请人： VISA U.S.A. INC. , HAMMAD, Ayman
发明人： HAMMAD, Ayman
IPC分类号： G06K17/00 , G06K19/07
CPC分类号： H01Q1/2225 , G06F1/1616 , G06F1/1624 , G06F1/1656 , G06F1/1698 , G06K19/07327 , H01Q1/526 , H04Q2213/13095 , H05K5/0208 , H05K9/0007
摘要： A portable consumer device is disclosed. An electromagnetic shield is provided in the portable consumer device that is capable of preventing communication between the portable consumer device and an interrogation device. The shield is movable between a distal position in which communication with the interrogation device is enabled and a proximate position in which the shield prevents the transmitting antenna from communicating with the interrogation device.
摘要翻译：公开了便携式消费者装置。在便携式消费者装置中设置有能够防止便携式消费装置与询问装置之间的通信的电磁屏蔽。屏蔽可在与询问装置通信的远端位置与能够防止发射天线与询问装置通信的接近位置之间移动。

83. 发明申请

WO2008039796A2 MOBILE TRANSIT FARE PAYMENT 审中-公开
标题翻译：手机支付
公开(公告)号：WO2008039796A2
公开(公告)日：2008-04-03
申请号：PCT/US2007/079453
申请日：2007-09-25
申请人： VISA U.S.A. INC. , VISA INTERNATIONAL SERVICE CORPORATION , HAMMAD, Ayman , DIXON, Phil
发明人： HAMMAD, Ayman , DIXON, Phil
IPC分类号： G06K19/06
CPC分类号： G06Q20/32 , G06Q20/045 , G06Q20/322 , G06Q20/327 , G06Q20/3278 , G07B15/00 , G07B15/02 , G07F17/0014
摘要： A system, apparatus, and method for facilitating the payment and collection of transit system fares using a mobile device. The inventive system utilizes a contactless element embedded within a mobile wireless device, such as a mobile phone, PDA, or the like. The smart element is integrated with the circuitry of the mobile device to permit the data to be accessed and manipulated (e.g., read, written, erased) using the wireless communications network as the data transport channel. The data required to enable a user to access a transit system and for the system to conduct fare calculations may be provided to the memory in the contactless element using the wireless network. Such data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use).
摘要翻译：一种用于使用移动设备便利支付和收集过境系统票价的系统，装置和方法。本发明的系统利用嵌入在诸如移动电话，PDA等的移动无线设备内的非接触元件。智能元件与移动设备的电路集成，以允许使用无线通信网络作为数据传输信道来访问和操纵（例如，读取，写入，擦除）数据。可以使用无线网络将使用户访问交通系统和系统进行票价计算所需的数据提供给非接触元件中的存储器。这样的数据可以包括访问控制数据（密钥，密码，识别数据）或票价计算所需的数据（费率，系统使用的历史数据）。

84. 发明申请

WO2009134789A2 DEVICE INCLUDING USER EXCLUSIVE DATA TAG 审中-公开
标题翻译：设备，包括用户独家数据标签
公开(公告)号：WO2009134789A2
公开(公告)日：2009-11-05
申请号：PCT/US2009/041961
申请日：2009-04-28
申请人： VISA U.S.A. INC. , HAMMAD, Ayman
发明人： HAMMAD, Ayman
IPC分类号： H04W88/02 , H04W4/24 , G06Q20/00 , H04W12/06 , G06K17/00 , G06Q40/00
CPC分类号： G06Q20/322 , G06Q20/04 , G06Q20/105 , G06Q20/32 , G06Q20/341 , G06Q20/40 , G06Q30/0233
摘要： A consumer device is disclosed. The device comprises a body, and a memory comprising a computer readable medium disposed on or within the body. The computer readable medium comprises user exclusive data tag, which can be placed in a user exclusive data tag.
摘要翻译：公开了消费者设备。该装置包括主体和包括设置在主体上或内部的计算机可读介质的存储器。计算机可读介质包括可以放置在用户专用数据标签中的用户独占数据标签。

85. 发明申请

WO2007149787A3 TERMINAL DATA ENCRYPTION 审中-公开
公开(公告)号：WO2007149787A3
公开(公告)日：2007-12-27
申请号：PCT/US2007/071386
申请日：2007-06-15
申请人： VISA U.S.A. INC. , HAMMAD, Ayman , FAITH, Patrick
发明人： HAMMAD, Ayman , FAITH, Patrick
IPC分类号： H04L9/00 , H04K1/00
摘要： A method is disclosed. The method includes generating an initial key after interacting with an access device, storing the initial key at a key storage location, altering the initial key with a public key to form an altered key, and sending the altered key to a server computer along with an identifier for the access device. The altered key is changed to the initial key at the server computer and is stored with the identifier in a database in operative communication with the server computer. The initial keys that are stored at the key storage location and in the database are used to alter and restore transaction data associated with multiple financial transactions that are conducted using the access device.

86. 发明申请

WO2007149775A3 CONSUMER AUTHENTICATION SYSTEM AND METHOD 审中-公开
公开(公告)号：WO2007149775A3
公开(公告)日：2007-12-27
申请号：PCT/US2007/071301
申请日：2007-06-15
申请人： VISA U.S.A. INC. , HAMMAD, Ayman , FAITH, Patrick , CARLSON, Mark
发明人： HAMMAD, Ayman , FAITH, Patrick , CARLSON, Mark
IPC分类号： G06Q99/00
摘要： A method for authenticating a consumer. The method includes receiving an authorization request message associated with a consumer conducting a transaction with a portable consumer device. A challenge message is sent to the consumer, where the challenge message is dynamic or semi-dynamic. A challenge response message is received from the consumer, and an authorization response message is sent to the consumer. The authorization response message indicates whether or not the transaction is authorized.

87. 发明申请

WO2010059373A2 BEVERAGE HOLDER HAVING A CHIP UNIT FOR PERFORMING PAYMENT TRANSACTIONS 审中-公开
标题翻译：具有执行付款交易的芯片组的饮料持有人
公开(公告)号：WO2010059373A2
公开(公告)日：2010-05-27
申请号：PCT/US2009/062553
申请日：2009-10-29
申请人： VISA U.S.A. INC. , FUERSTENBERG, Zack , HAMMAD, Ayman , TRIPLETT, Brian , RENTON, Christopher, M. , STEPHENSON, Michael
发明人： FUERSTENBERG, Zack , HAMMAD, Ayman , TRIPLETT, Brian , RENTON, Christopher, M. , STEPHENSON, Michael
IPC分类号： G06F17/00 , B65D25/00 , G06K19/07
CPC分类号： G06Q20/102 , G06K19/07 , G06Q20/20 , G06Q20/3223 , G06Q20/3278 , G06Q20/341 , G06Q20/40 , G06Q2220/00
摘要： A beverage holder apparatus includes a chip unit attached to a beverage holder and adapted to communicate with a chip unit reader to perform a payment transaction to purchase the beverage. The chip unit stores an account identifier associated with a financial account, and transmits the stored account identifier to the chip unit reader to perform the payment transaction.
摘要翻译：饮料保持器装置包括附接到饮料保持器的芯片单元，其适于与芯片单元读取器通信以执行支付交易以购买饮料。芯片单元存储与金融账户相关联的账户标识符，并且将存储的帐户标识符发送到芯片单元读取器以执行支付交易。

88. 发明申请

WO2009134782A2 PORTABLE DEVICE INCLUDING ALTERABLE INDICATOR 审中-公开
标题翻译：便携式设备，包括可更换指示器
公开(公告)号：WO2009134782A2
公开(公告)日：2009-11-05
申请号：PCT/US2009/041952
申请日：2009-04-28
申请人： VISA U.S.A. INC. , HAMMAD, Ayman
发明人： HAMMAD, Ayman
IPC分类号： H04W88/02 , H04W4/24 , G06Q40/00 , G06Q20/00
CPC分类号： G06Q20/322 , G06Q20/04 , G06Q20/105 , G06Q20/32 , G06Q20/341 , G06Q20/40 , G06Q30/0233
摘要： A consumer device is disclosed. It includes a body, and a memory element coupled to the body, the memory storing a first account identifier associated with a first account, a second account identifier associated with a second account, and an alterable flag linking the first account and the second account.
摘要翻译：公开了消费者设备。其包括主体和耦合到主体的存储器元件，存储器存储与第一帐户相关联的第一帐户标识符，与第二帐户关联的第二帐户标识符以及链接第一帐户和第二帐户的可变标记。

89. 发明申请

WO2008070642A2 BANK ISSUED CONTACTLESS PAYMENT CARD USED IN TRANSIT FARE COLLECTION 审中-公开
标题翻译：银行发行用于收取交易费用的接近付款卡
公开(公告)号：WO2008070642A2
公开(公告)日：2008-06-12
申请号：PCT/US2007/086342
申请日：2007-12-04
申请人： VISA U.S.A. INC. , VISA INTERNATIONAL SERVICE CORPORATION , HAMMAD, Ayman , DIXON, Phil , TRIPLETT, Brian
发明人： HAMMAD, Ayman , DIXON, Phil , TRIPLETT, Brian
IPC分类号： G06K19/06
CPC分类号： G06Q20/352 , G06Q20/12 , G06Q20/16 , G06Q20/227 , G06Q20/322 , G06Q20/325 , G06Q20/341 , G06Q20/3576 , G06Q20/367 , G07F7/1008
摘要： An architecture for a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments. The payment device may function as both an electronic wallet for commerce transactions and as a transit system card, for access to and fare payment of transit services. Implementation of both functions may be achieved by use of a dynamic memory management system that permits data for both the payment and transit applications to be stored on the card, with the transit data and storage locations isolated from those used to store data intended for use in paying for commerce transactions. The transit application specific data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use), for example.
摘要翻译：用于非接触式智能卡或支付设备的架构，智能卡旨在用于商业交易支付和过境票价支付（或其他场地访问）环境中。支付设备可以用作商业交易的电子钱包和作为过境系统卡的用于访问和支付过境服务的费用。这两个功能的实现可以通过使用动态存储器管理系统来实现，该系统允许将支付和转接应用的数据存储在卡上，其中转接数据和存储位置与用于存储旨在用于支付商业交易。运输应用程序特定数据可以包括例如访问控制数据（密钥，密码，标识数据）或票价计算所需的数据（费率，系统使用的历史数据）。

90. 发明申请

WO2014145708A1 SNAP MOBILE SECURITY APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译： SNAP移动安全设备，方法和系统
公开(公告)号：WO2014145708A1
公开(公告)日：2014-09-18
申请号：PCT/US2014/030517
申请日：2014-03-17
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： HAMMAD, Ayman
IPC分类号： G06Q20/36
CPC分类号： G06Q20/36 , G06Q20/32 , G06Q20/3276 , G06Q30/06
摘要： The SNAP MOBILE SECURITY ("SMS") provides verification, access and security to virtual wallet based electronic financial transactions. SMS receives a request from user's device to decode a scannable code and verify the security of the decoded code's contents. SMS decodes the scannable code to obtain code contents requesting access to the wallet account. SMS obtains digital fingerprints of the user device and a request identifier for the request to access the wallet account. The SMS receives from the access requester digital signatures for the requester and the request identifier. SMS confirms the digital fingerprints of the user device verify the device is authorized to access the wallet account. The SMS confirms the received digital signatures verify the access requester and the request are authorized to access the wallet account. The SMS sends wallet unlock and activity unlock keys to the device for activity access to the wallet.
摘要翻译： SNAP移动安全（“SMS”）为基于虚拟钱包的电子金融交易提供验证，访问和安全性。 SMS接收来自用户设备的请求以对可扫描码进行解码并验证解码代码的内容的安全性。 SMS解码可扫描代码以获得请求访问钱包帐户的代码内容。 SMS获取用户设备的数字指纹和用于访问钱包帐户的请求的请求标识符。 SMS从访问请求者接收请求者的数字签名和请求标识符。 SMS确认用户设备的数字指纹，验证设备是否被授权访问钱包帐户。 SMS确认所接收的数字签名验证访问请求者，并且请求被授权访问钱包帐户。短信将钱包解锁和活动解锁密钥发送到设备，以便活动地访问钱包。

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