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1. 发明申请

WO2005015339A3 A SYSTEM AND METHOD FOR MANAGING ELECTRONIC DATA TRANSFER APPLICATIONS 审中-公开
标题翻译：用于管理电子数据传输应用的系统和方法
公开(公告)号：WO2005015339A3
公开(公告)日：2006-06-29
申请号：PCT/US2004012130
申请日：2004-04-19
申请人： VISA INT SERVICE ASS , SHENKER GAVIN , RAJ THANIGAIVEL ASHWIN , SAHOTA JAGDEEP SINGH , KASHEF FOROUGH , HURRY SIMON
发明人： SHENKER GAVIN , RAJ THANIGAIVEL ASHWIN , SAHOTA JAGDEEP SINGH , KASHEF FOROUGH , HURRY SIMON
IPC分类号： G06Q40/00 , G06F20060101 , G06K5/00 , G06Q20/00 , G07F7/10 , H04M1/673 , H04M1/725
CPC分类号： G07F7/1008 , G06Q20/209 , G06Q20/32 , G06Q20/3227 , G06Q20/341 , G06Q20/3552 , G06Q20/35765 , G06Q30/0226 , G07F7/0886 , H04M1/673 , H04M1/72522
摘要： A system and method for managing one or more applications deployed on a mobile electronic device, such as a cellular phone, are disclosed. The system and method enable the user of a mobile electronic device to select one of a plurality of applications deployed on the mobile electronic device for use in a transaction and to authenticate himself or herself prior to initiating the transaction. The transaction may occur via a wireless interface and/or a contact-based interface. In addition, the system and method allow the user to manage applications deployed on a mobile electronic device, including adding new applications, designating nicknames for the applications and setting security codes for each application.
摘要翻译：公开了一种用于管理部署在诸如蜂窝电话的移动电子设备上的一个或多个应用的系统和方法。该系统和方法使得移动电子设备的用户能够选择部署在移动电子设备上的多个应用中的一个，以便在交易中使用并且在发起交易之前认证自己。该事务可以通过无线接口和/或基于接口的接口进行。此外，系统和方法允许用户管理部署在移动电子设备上的应用程序，包括添加新的应用程序，为应用程序指定昵称以及为每个应用程序设置安全代码。

2. 发明申请

WO2011109508A3 SYSTEMS AND METHODS USING MOBILE DEVICE IN PAYMENT TRANSACTION 审中-公开
标题翻译：使用移动设备在付款交易中的系统和方法
公开(公告)号：WO2011109508A3
公开(公告)日：2011-12-29
申请号：PCT/US2011026858
申请日：2011-03-02
申请人： VISA INT SERVICE ASS , HAMMAD AYMAN , HURRY SIMON
发明人： HAMMAD AYMAN , HURRY SIMON
IPC分类号： G06Q20/00 , H04W4/02 , H04W4/24
CPC分类号： G06Q20/32 , G06Q20/325 , G06Q20/3278 , G06Q20/383 , G06Q20/40 , G06Q30/0613 , G06Q40/02
摘要： Systems and methods for performing a payment transaction are disclosed. In the embodiments of the invention, a mobile device is used by a user to receive an identifier associated with a piece of merchandise or a service from a merchant. The user then initiates a payment transaction with a remote payment server computer hosted by a third party processor. Upon completion of the payment transaction, the remote payment server computer notifies the user and the merchant that a payment has been made. The merchant then provide the merchandise or the service to the user. In the embodiments of the invention, a payment transaction is performed without exposing or disclosing financial account information of the user to the merchant.
摘要翻译：公开了执行支付交易的系统和方法。在本发明的实施例中，用户使用移动设备来接收与来自商家的一件商品或服务相关联的标识符。用户然后用由第三方处理器托管的远程支付服务器计算机启动支付交易。在完成支付交易后，远程支付服务器计算机通知用户和商家支付已经完成。然后商家向用户提供商品或服务。在本发明的实施例中，执行支付交易而不暴露或泄露用户的金融账户信息给商家。

3. 发明申请

WO2011088109A3 ANYTIME VALIDATION FOR VERIFICATION TOKENS 审中-公开
标题翻译：验证令牌的任何时间验证
公开(公告)号：WO2011088109A3
公开(公告)日：2011-11-17
申请号：PCT/US2011020973
申请日：2011-01-12
申请人： VISA INT SERVICE ASS , HURRY SIMON , HAMMAD AYMAN
发明人： HURRY SIMON , HAMMAD AYMAN
IPC分类号： H04L9/32 , G06Q20/00 , H04L9/14
CPC分类号： G06Q20/3829 , G06F21/33 , G06F21/34 , G06F2221/2129
摘要： Systems and method for producing, validating, and registering authentic verification tokens are disclosed. Such systems and methods include generating verification token specific key pairs. The key pairs can be signed by a verification token manufacturer master key or public key certificate for an additional level of authenticity. Related methods and systems for authenticating and registering authorized verification token manufacturers are also disclosed. Once a verification token manufacturer is authenticated, it can be assigned a manufacturer-specific key pair or certificate and in some cases, a predetermined set of serial numbers to assign to the verification tokens it produces. Each serial number can be used to generate a verification token specific key pair specific to the associated verification token. One component of the verification token key pair can be stored to the verification token. Optionally, the component of the verification token key pair stored to the verification token can be signed by the manufacturer specific master key or certificate and stored a verification token public certificate.
摘要翻译：公开了生成，验证和注册真实验证令牌的系统和方法。这样的系统和方法包括生成验证令牌特定的密钥对。密钥对可由验证令牌制造商主密钥或公钥证书签名，以获得更高级别的真实性。还公开了用于认证和注册授权验证令牌制造商的相关方法和系统。一旦验证令牌制造商通过验证，可为其分配制造商特定的密钥对或证书，并且在某些情况下，可为其分配给其生成的验证令牌的预定序列号集。每个序列号可用于生成特定于相关验证令牌的验证令牌特定密钥对。验证令牌密钥对的一个组件可以被存储到验证令牌。可选地，存储到验证令牌的验证令牌密钥对的组件可以由制造商特定的主密钥或证书签名并存储验证令牌公共证书。

4. 发明申请

WO2010083243A3 SECURE REMOTE AUTHENTICATION THROUGH AN UNTRUSTED NETWORK 审中-公开
标题翻译：通过不受控制的网络安全远程认证
公开(公告)号：WO2010083243A3
公开(公告)日：2010-09-30
申请号：PCT/US2010020935
申请日：2010-01-13
申请人： VISA INT SERVICE ASS , SHEETS JOHN F , HURRY SIMON
发明人： SHEETS JOHN F , HURRY SIMON
IPC分类号： H04L9/32
CPC分类号： H04L9/3226 , G06Q20/20 , G06Q20/3278 , G06Q20/382 , G06Q20/3825 , G06Q20/385 , H04L9/3236 , H04L63/083 , H04L63/12 , H04L2209/56 , H04L2209/805
摘要： A method for securely authenticating a user of a consumer device at an access device comprising the following steps. First, a dynamic data element and a first set of transactional information is sent to the consumer device from the access device. Next, the consumer device creates an authentication code as a function of at least the dynamic data element, a subset of the first set of transactional information, and a password. The authentication code, along with other data, is then sent from the consumer device back to the access device. The access device then uses the authentication code to send an authentication request message to the service provider of the user. The service provider then attempts to authenticate the user by recreating the authentication code and comparing the recreated authentication code with the authentication code received from the access device.
摘要翻译：一种用于在接入设备处安全地认证消费者设备的用户的方法，包括以下步骤。首先，动态数据元素和第一组交易信息从接入设备发送到消费者设备。接下来，消费者设备根据至少动态数据元素，第一组交易信息的子集和密码来创建认证码。随后将认证码与其他数据一起从消费者设备发回给接入设备。接入设备然后使用认证码向用户的服务提供商发送认证请求消息。服务提供商然后通过重新创建认证码并将重新创建的认证码与从访问设备接收的认证码进行比较来尝试认证用户。

5. 发明申请

WO2011019751A3 TRACK DATA MAPPING SYSTEM FOR PROCESSING OF PAYMENT TRANSACTION DATA 审中-公开
标题翻译：用于处理付款交易数据的跟踪数据映射系统
公开(公告)号：WO2011019751A3
公开(公告)日：2011-05-19
申请号：PCT/US2010045071
申请日：2010-08-10
申请人： VISA INT SERVICE ASS , RIGBY MARK , HURRY SIMON , AABYE CHRISTIAN
发明人： RIGBY MARK , HURRY SIMON , AABYE CHRISTIAN
IPC分类号： G06Q20/00
CPC分类号： G06Q20/40 , G06Q20/04 , G06Q20/20
摘要： Systems and associated apparatuses and methods for processing payment transactions. A merchant's data processing system may provide payment transaction data in a first format (e.g., Track 1 ) to a payment processing network. The payment processing network may determine the issuer to which the data will be provided as part of a process for authorizing the payment transaction. It is determined if the issuer is one that is expecting or requires that the data be provided in a second format (e.g., Track 2). If the issuer is one that is expecting or requires that the transaction data be supplied in the second format, then it is determined if the issuer is enrolled in the appropriate data mapping service. If the issuer is enrolled in the data mapping service, then the inventive system performs the data mapping processes needed to provide the data in the second format to the issuer.
摘要翻译：用于处理支付交易的系统及相关装置和方法。商家的数据处理系统可以以支付处理网络的第一格式（例如，轨道1）提供支付交易数据。支付处理网络可以确定将提供数据的发行者作为授权支付交易的过程的一部分。确定发行者是否是期望或要求以第二格式（例如，轨道2）提供数据的发行者。如果发行人是期望或要求以第二格式提供交易数据的发行人，则确定发行人是否注册在适当的数据映射服务中。如果发行者注册在数据映射服务中，则本发明的系统执行将数据以第二格式提供给发行者所需的数据映射处理。

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