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1. 发明申请

WO2020006479A1 CHIP CARD SOCKET COMMUNICATION 审中-公开
公开(公告)号：WO2020006479A1
公开(公告)日：2020-01-02
申请号：PCT/US2019/039928
申请日：2019-06-28
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： PIRZADEH, Kiushan
IPC分类号： G06K19/077 , G06K7/00
摘要： Enhanced techniques for communicating with an integrated circuit chip card are disclosed. An integrated circuit chip card may include a processor, a memory storing a plurality applications executable by the processor, an input/output (I/O) interface, and a network interface coupled to the (I/O) interface. The network interface may implement a plurality of logical ports, and the network interface can be configurable to select between multiple communication protocols to communicate with an external device in a socket communication mode. The network interface can be configured to establish a plurality of communication channels between the external device the integrated circuit chip card using the plurality of logical ports, and each of the communication channels may support communication with one of the plurality of applications.

2. 发明申请

WO2018064661A1 SECURE ELEMENT INSTALLATION AND PROVISIONING 审中-公开
标题翻译：安全元件的安装和配置
公开(公告)号：WO2018064661A1
公开(公告)日：2018-04-05
申请号：PCT/US2017/054729
申请日：2017-10-02
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： KEKICHEFF, Marc , PIRZADEH, Kiushan , CHEN, Yuexi
IPC分类号： G06F12/14
摘要： A device binding system includes generating and storing at the device a unique identifier based on device characteristics and a cryptographic function. The unique identifier is then registered with an authority. The self-generation of the unique identifier allows binding with an authority to occur after the device leaves a secure manufacturing environment or even after the device is in the hands of an end-user consumer. Once the binding occurs, the device can be part of trusted transactions for location tracking, fitness tracking, financial transactions or other interactions where identity and privacy are factors.
摘要翻译：设备绑定系统包括基于设备特性和密码功能生成并在设备上存储唯一标识符。然后该唯一标识符向权威机构注册。独特标识符的自我生成允许在设备离开安全制造环境之后或甚至在设备掌握在最终用户消费者手中之后，与权限进行绑定。一旦绑定发生，设备可以成为位置跟踪，健身追踪，金融交易或其他身份和隐私因素相互作用的可信交易的一部分。

3. 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。

4. 发明申请

WO2015023999A1 SECURE REMOTE PAYMENT TRANSACTION PROCESSING USING A SECURE ELEMENT 审中-公开
标题翻译：使用安全元件的安全远程支付交易处理
公开(公告)号：WO2015023999A1
公开(公告)日：2015-02-19
申请号：PCT/US2014/051371
申请日：2014-08-15
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： KARPENKO, Igor , MAKHOTIN, Oleg , PIRZADEH, Kiushan , POWELL, Glenn , SHEETS, John , WONG, Erick
IPC分类号： G06Q20/40 , G06Q20/32
CPC分类号： G06Q20/3829 , G06Q20/3227 , G06Q20/3278 , G06Q20/38215 , G06Q20/401 , G06Q20/409
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. The method comprises receiving, by a mobile payment application on a secure memory of the mobile device, transaction data from a transaction processor application on the mobile device. The method further comprises validating that the transaction processor application is authentic and in response to validating the transaction processor application, providing encrypted payment credentials to the transaction processor application. The transaction processor application further initiates a payment transaction with a transaction processor server computer using the encrypted payment credentials.
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。该方法包括通过移动设备的安全存储器上的移动支付应用从移动设备上的交易处理器应用接收交易数据。该方法还包括验证交易处理器应用是真实的并且响应于验证交易处理器应用，向交易处理器应用提供加密的支付凭证。交易处理器应用程序使用加密的支付凭证进一步发起与交易处理器服务器计算机的支付交易。

5. 发明申请

WO2015021420A1 METHODS AND SYSTEMS FOR PROVISIONING MOBILE DEVICES WITH PAYMENT CREDENTIALS 审中-公开
标题翻译：用支付凭证提供移动设备的方法和系统
公开(公告)号：WO2015021420A1
公开(公告)日：2015-02-12
申请号：PCT/US2014/050407
申请日：2014-08-08
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： WONG, Erick , PIRZADEH, Kiushan , MAKHOTIN, Oleg , POWELL, Glenn , KARPENKO, Igor , SHEETS, John , LIU, Frederick
IPC分类号： G06Q20/32 , G06Q20/36
CPC分类号： G06Q20/3821 , G06Q20/322 , G06Q20/382 , G06Q20/3829 , G06Q20/4016
摘要： Embodiments are described that are directed to optimizing the provisioning of payment account credentials to mobile devices utilizing mobile wallets. In some embodiments, one of multiple provisioning schemes may be selectively chosen for payment account credential provisioning based upon a determined risk involved with a particular provisioning request. A low risk provisioning request leads to an immediate provisioning of a payment credential, whereas a provisioning request of high risk results in the provisioning request being denied. In some embodiments, medium risk provisioning requests will cause an additional user authentication to be performed before the payment account provisioning is finalized. The additional user authentication may occur using a separate communication channel than the channel in which the provisioning request was received.
摘要翻译：描述的实施例旨在优化使用移动钱包的移动设备的支付帐户凭证的提供。在一些实施例中，可以基于与特定供应请求相关的确定的风险来选择性地选择多个供应方案之一用于支付帐户凭证供应。低风险提供请求导致立即提供支付凭证，而高风险的供应请求导致供应请求被拒绝。在一些实施例中，中等风险供应请求将导致在支付帐户供应被最终确定之前执行额外的用户认证。附加用户认证可以使用与接收供应请求的信道不同的通信信道来进行。

6. 发明申请

WO2011041447A2 MOBILE PAYMENT APPLICATION ARCHITECTURE 审中-公开
标题翻译：移动支付应用架构
公开(公告)号：WO2011041447A2
公开(公告)日：2011-04-07
申请号：PCT/US2010/050770
申请日：2010-09-29
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , PIRZADEH, Kiushan , KEKICHEFF, Marc, B.
发明人： PIRZADEH, Kiushan , KEKICHEFF, Marc, B.
IPC分类号： G06Q20/00
CPC分类号： H04L12/14 , G06F21/78 , G06Q20/20 , G06Q20/32 , G06Q20/3226 , G06Q20/3227 , G06Q20/3229 , G06Q20/3278 , G06Q20/40 , H04L12/1467
摘要： A system, apparatus, and method for conducting payment transactions using a mobile device. Embodiments of the invention are directed to an architecture or system design for the functional elements residing in a mobile device that may be used to conduct a payment transaction. The inventive architecture may be implemented as a set of functional modules resident in a secure element that is embedded or otherwise incorporated into the mobile device.
摘要翻译：用于使用移动设备进行支付交易的系统，设备和方法。本发明的实施例针对用于驻留在移动设备中的可用于进行支付交易的功能元件的架构或系统设计。本发明的体系结构可以实现为驻留在嵌入或以其他方式并入移动设备中的安全元件中的一组功能模块。

7. 发明申请

WO2016058006A1 METHODS AND SYSTEMS FOR PARTIAL PERSONALIZATION DURING MOBILE APPLICATION UPDATE 审中-公开
标题翻译：移动应用程序更新期间部分个性化的方法和系统
公开(公告)号：WO2016058006A1
公开(公告)日：2016-04-14
申请号：PCT/US2015/055397
申请日：2015-10-13
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： AABYE, Christian , PIRZADEH, Kiushan , POWELL, Glenn , KARPENKO, Igor
IPC分类号： G06F9/445 , G06F9/44
CPC分类号： G06F8/658 , G06F8/65 , G06F8/71 , G06F9/4451 , H04L67/306 , H04L67/34 , H04W4/50 , H04W12/04 , H04W12/06 , H04W12/10
摘要： Embodiments of the present invention are directed at methods and systems for providing a partial personalization process that allows for more efficient and effective personalization of a mobile application on a communication device after updating the mobile application. For example, personalization profiles associated with multiple versions of the mobile application may be stored at an application update provisioning system and the application update provisioning system may determine the appropriate partial provisioning information to update the mobile application for each migration notification. Accordingly, a tailored partial personalization script including only that personalization information that is to be updated for the updated version of the mobile application may be generated and installed to enable new functionality and/or update the information contained within an updated mobile application, without requiring re-personalization of all personalized information into the updated mobile application.
摘要翻译：本发明的实施例涉及用于提供部分个性化过程的方法和系统，其允许在更新移动应用之后在通信设备上更有效和有效地个性化移动应用。例如，与移动应用的多个版本相关联的个性化简档可以被存储在应用程序更新提供系统中，并且应用程序更新提供系统可以确定适当的部分供应信息，以便为每个迁移通知更新移动应用程序。因此，可以生成并安装定制的部分个性化脚本，其仅包括要为移动应用的更新版本更新的个性化信息，以实现新功能和/或更新包含在更新的移动应用中的信息，而不需要re 将所有个性化信息的个性化进入更新的移动应用程序。

8. 发明申请

WO2015038551A1 MOBILE PAYMENT APPLICATION PROVISIONING AND PERSONALIZATION ON A MOBILE DEVICE 审中-公开
标题翻译：移动支付移动设备上的应用程序提供和个性化
公开(公告)号：WO2015038551A1
公开(公告)日：2015-03-19
申请号：PCT/US2014/054846
申请日：2014-09-09
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： MAKHOTIN, Oleg , NGO, Hao , AABYE, Christian , PIRZADEH, Kiushan
IPC分类号： G06Q20/40 , G06Q20/32
CPC分类号： G06Q20/3829 , G06Q20/02 , G06Q20/3227 , G06Q20/325 , G06Q20/3278 , G06Q20/354 , G06Q20/3552
摘要： Embodiments of the present invention are directed to systems and methods for providing a central entity that can provision mobile payment applications on mobile communication devices and personalize the mobile payment applications with consumer and account information. The personalization of the mobile payment application on the mobile communication device may include provisioning a payment account on the mobile payment application. The central entity may provision the account on the mobile payment application without interacting with the issuer during the provisioning of the account. The central entity may provision the account on the mobile communication device by decrypting, using a secure element key, encrypted payment account information received from the mobile communication device. The payment account information may be encrypted by a secure element of the mobile communication device using the same secure element key.
摘要翻译：本发明的实施例涉及用于提供中央实体的系统和方法，所述中央实体可以在移动通信设备上提供移动支付应用，并使移动支付应用程序具有消费者和帐户信息。移动通信设备上的移动支付应用的个性化可以包括在移动支付应用上提供支付账户。中央实体可以在移动支付应用程序中提供帐户，而不会在提供账户期间与发行者进行交互。中央实体可以通过使用安全元素密钥解密从移动通信设备接收的加密支付帐户信息来在移动通信设备上提供帐户。支付帐户信息可以使用相同的安全元件密钥由移动通信设备的安全元件加密。

9. 发明申请

WO2010033968A1 OVER THE AIR UPDATE OF PAYMENT TRANSACTION DATA STORED IN SECURE MEMORY 审中-公开
标题翻译：在安全存储器中存储的付款交易数据的空气更新
公开(公告)号：WO2010033968A1
公开(公告)日：2010-03-25
申请号：PCT/US2009/057794
申请日：2009-09-22
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , AABYE, Christian , NGO, Hao , WILSON, David , ZEIDEN, Gustavo , PITCHFORD, Chris , PIRZADEH, Kiushan
发明人： AABYE, Christian , NGO, Hao , WILSON, David , ZEIDEN, Gustavo , PITCHFORD, Chris , PIRZADEH, Kiushan
IPC分类号： G06Q20/00
CPC分类号： G06Q20/32 , G06Q20/10 , G06Q20/20 , G06Q20/204 , G06Q20/322 , G06Q20/382 , G06Q20/3829 , G06Q20/40
摘要： A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. The invention enables the updating, correction or synchronization of transaction data maintained by an Issuer with that stored on the device. This is accomplished by using a wireless (cellular) network as a data communication channel for data provided by an Issuer to the mobile device, and is particularly advantageous in circumstances in which the contactless element is not presently capable of communication with a device reader or point of sale terminal that uses a near field communications mechanism. Data transferred between the mobile device and Issuer may be encrypted and decrypted to provide additional security and protect the data from being accessed by other users or applications.
摘要翻译：一种用于处理使用包括诸如集成电路芯片的非接触元件的移动设备进行的支付交易的系统，装置和方法。本发明能够通过存储在设备上的发行者来维护交易数据的更新，校正或同步。这通过使用无线（蜂窝）网络作为由发行者向移动设备提供的数据的数据通信信道来实现，并且在非接触元件当前不能与设备读取器或点通信的情况下是特别有利的的使用近场通信机制的销售终端。在移动设备和发卡行之间传送的数据可以被加密和解密，以提供额外的安全性并保护数据不被其他用户或应用程序访问。

10. 发明申请

WO2018058051A1 UPDATE MIGRATION SYSTEM AND METHOD 审中-公开
标题翻译：更新迁移系统和方法
公开(公告)号：WO2018058051A1
公开(公告)日：2018-03-29
申请号：PCT/US2017/053280
申请日：2017-09-25
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： PIRZADEH, Kiushan , MARTIN, Philippe , LINDBECK, Michael , CHEN, Yuexi , KEKICHEFF, Marc
IPC分类号： G06F9/44
摘要： A device updating system may store data from an application to be updated, especially personalization data that is to be persisted beyond the version update. After the data is stored, the application may be deleted and a migration application is installed. The migration application may use a matrix or the like characterizing differences between prior editions of the application and the one being installed. The migration application may determine the previous edition and updates the personalization data according to the matrix. After the data is updated, the migration application may be deleted and the new application installed. The new application may retrieve the updated data and may be ready to operate without concern about what the previous edition may have been. Memory space may be conserved by not requiring the new application to carry the version matrix and all possible changes between the current edition and all possible previous editions.
摘要翻译：设备更新系统可以存储来自将被更新的应用程序的数据，特别是要在版本更新之外保持的个性化数据。数据存储后，可能会删除应用程序并安装迁移应用程序。迁移应用程序可以使用矩阵等表征应用程序的先前版本与正在安装的版本之间的差异。迁移应用程序可以根据矩阵确定以前的版本并更新个性化数据。数据更新后，可能会删除迁移应用程序并安装新应用程序。新的应用程序可以检索更新的数据，并且可以准备好操作，而不用担心以前的版本可能是什么。内存空间可能会因为不需要新应用程序携带版本矩阵以及当前版本和所有可能的以前版本之间的所有可能更改而得到保留。

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