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1. 发明申请

WO2013022994A3 PAYMENT CARD WITH INTEGRATED CHIP 审中-公开
标题翻译：带有集成芯片的付款卡
公开(公告)号：WO2013022994A3
公开(公告)日：2013-04-04
申请号：PCT/US2012050027
申请日：2012-08-08
申请人： VISA INT SERVICE ASS , WAGNER KIM , SLOAN DINAH , BYRNE BRIAN
发明人： WAGNER KIM , SLOAN DINAH , BYRNE BRIAN
IPC分类号： G06Q20/40 , G06Q20/34
CPC分类号： G06Q20/40 , G06Q20/32 , G06Q20/34 , G06Q20/382
摘要： A method is disclosed. It includes presenting a payment card to an access device, obtaining additional data, encrypting the additional data, and passing the encrypted additional data to the access device.
摘要翻译：公开了一种方法。它包括向访问设备提供支付卡，获取额外数据，加密附加数据以及将加密附加数据传递给访问设备。

2. 发明申请

WO2013022988A3 PAYMENT DEVICE WITH INTEGRATED CHIP 审中-公开
公开(公告)号：WO2013022988A3
公开(公告)日：2013-02-14
申请号：PCT/US2012/050020
申请日：2012-08-08
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , WAGNER, Kim , SLOAN, Dinah , BYRNE, Brian
发明人： WAGNER, Kim , SLOAN, Dinah , BYRNE, Brian
IPC分类号： G06Q20/40 , G06Q20/16
摘要： A method is disclosed. It includes presenting a portable consumer device to an access device, obtaining additional data, encrypting the additional data, and passing the encrypted additional data to the access device.

3. 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。

4. 发明申请

WO2007038743A3 DEVICE, SYSTEM AND METHOD FOR REDUCING AN INTERACTION TIME FOR A CONTACTLESS TRANSACTION 审中-公开
公开(公告)号：WO2007038743A3
公开(公告)日：2007-04-05
申请号：PCT/US2006/038047
申请日：2006-09-28
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HILL, Trudy , SAHOTA, Jagdeep, Singh , AABYE, Christian , WAGNER, Kim , OCHIEANO, Anita , OPPENLANDER, Carole , CHAN, William, Chi, Yuen , GLENDENNING, Craig, Allen
发明人： HILL, Trudy , SAHOTA, Jagdeep, Singh , AABYE, Christian , WAGNER, Kim , OCHIEANO, Anita , OPPENLANDER, Carole , CHAN, William, Chi, Yuen , GLENDENNING, Craig, Allen
IPC分类号： G06Q99/00
摘要： A method. The method comprises, at a reader, performing at least one transaction-based risk management process prior to energizing a contactless interface, initiating communication with a card utilized for the contactless transaction, receiving information associated with the card, and terminating communication with the card prior to authorizing the contactless transaction.

5. 发明申请

WO2013022988A2 PAYMENT DEVICE WITH INTEGRATED CHIP 审中-公开
标题翻译：付款设备与集成芯片
公开(公告)号：WO2013022988A2
公开(公告)日：2013-02-14
申请号：PCT/US2012050020
申请日：2012-08-08
申请人： VISA INT SERVICE ASS , WAGNER KIM , SLOAN DINAH , BYRNE BRIAN
发明人： WAGNER KIM , SLOAN DINAH , BYRNE BRIAN
IPC分类号： G06Q20/40 , G06Q20/16
CPC分类号： G06Q20/40 , G06Q20/32 , G06Q20/34 , G06Q20/382
摘要： A method is disclosed. It includes presenting a portable consumer device to an access device, obtaining additional data, encrypting the additional data, and passing the encrypted additional data to the access device.
摘要翻译：公开了一种方法。它包括将便携式消费者设备呈现给访问设备，获取附加数据，加密附加数据以及将加密附加数据传递给访问设备。

6. 发明申请

WO2009032858A3 ACCOUNT TRANSACTION FRAUD DETECTION 审中-公开
标题翻译：账户交易欺诈检测
公开(公告)号：WO2009032858A3
公开(公告)日：2009-05-07
申请号：PCT/US2008075146
申请日：2008-09-03
申请人： VISA USA 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：在账户上进行交易的商家使用敏感数据字段形成交易数据。为了在发送关于交易的信息之前模糊帐户，对于敏感数据字段中的每个字符，组合字符与所生成的垫的字符一起形成。替换字符由组合字符上的模量操作形成，并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送给商家的收单方。随后，接收来自商户的另一交易的第一次传输，该商户包含帐户和敏感数据字段上的交易数据。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，该交易包括进行前一交易的账户。敏感数据字段被加密为上一次事务处理的相应帐户，并通过使用生成的便签以逐字符模运算进行加密。如果检索到交易数据记录，则发送第二次传输，其包含在敏感数据字段中的加密账户上进行交易的企图的欺诈通知。如果没有检索交易数据记录，则发送包含非欺诈通知的第三次传输。

7. 发明申请

WO2007038743A2 DEVICE, SYSTEM AND METHOD FOR REDUCING AN INTERACTION TIME FOR A CONTACTLESS TRANSACTION 审中-公开
标题翻译：用于减少无接触事务的交互时间的装置，系统和方法
公开(公告)号：WO2007038743A2
公开(公告)日：2007-04-05
申请号：PCT/US2006038047
申请日：2006-09-28
申请人： VISA INT SERVICE ASS , HILL TRUDY , SAHOTA JAGDEEP SINGH , AABYE CHRISTIAN , WAGNER KIM , OCHIEANO ANITA , OPPENLANDER CAROLE , CHAN WILLIAM CHI YUEN , GLENDENNING CRAIG ALLEN
发明人： HILL TRUDY , SAHOTA JAGDEEP SINGH , AABYE CHRISTIAN , WAGNER KIM , OCHIEANO ANITA , OPPENLANDER CAROLE , CHAN WILLIAM CHI YUEN , GLENDENNING CRAIG ALLEN
IPC分类号： A01N43/40 , G06Q20/04 , G06Q20/34 , G06Q20/36 , G06Q20/38 , G06Q20/40 , G06Q30/06
CPC分类号： G06Q20/352 , G06K7/0008 , G06Q20/04 , G06Q20/3674 , G06Q20/382 , G06Q20/38215 , G06Q20/3825 , G06Q20/40 , G06Q20/401 , G06Q20/4016 , G06Q20/409 , G06Q30/06 , G07F7/0826 , G07F7/088 , G07F7/1008 , G07F7/1016
摘要： A method. The method comprises, at a reader, performing at least one transaction-based risk management process prior to energizing a contactless interface, initiating communication with a card utilized for the contactless transaction, receiving information associated with the card, and terminating communication with the card prior to authorizing the contactless transaction.
摘要翻译：一个方法。该方法包括，在读取器处，在激励非接触式接口之前执行至少一个基于交易的风险管理过程，发起与用于非接触式交易的卡的通信，接收与卡相关联的信息，以及终止与卡之前的通信授权非接触式交易。

8. 发明申请

WO2013022994A2 PAYMENT CARD WITH INTEGRATED CHIP 审中-公开
标题翻译：带集成芯片的付款卡
公开(公告)号：WO2013022994A2
公开(公告)日：2013-02-14
申请号：PCT/US2012/050027
申请日：2012-08-08
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , WAGNER, Kim , SLOAN, Dinah , BYRNE, Brian
发明人： WAGNER, Kim , SLOAN, Dinah , BYRNE, Brian
IPC分类号： G06Q20/40 , G06Q20/34
CPC分类号： G06Q20/40 , G06Q20/32 , G06Q20/34 , G06Q20/382
摘要： A method is disclosed. It includes presenting a payment card to an access device, obtaining additional data, encrypting the additional data, and passing the encrypted additional data to the access device.
摘要翻译：公开了一种方法。它包括向接入设备呈现支付卡，获得附加数据，加密附加数据，以及将加密的附加数据传递到接入设备。

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