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1. 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。

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

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.

4. 发明申请

WO2020033902A1 TECHNIQUES FOR MATCHING DISPARATE INPUT DATA 审中-公开
公开(公告)号：WO2020033902A1
公开(公告)日：2020-02-13
申请号：PCT/US2019/046019
申请日：2019-08-09
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： SHI, Yichun , BEST-ROWDEN, Lacey , WAGNER, Kim
IPC分类号： G06N20/00
摘要： Systems and methods are disclosed for training a generative adversarial network (GAN) to transform images of one type (e.g., a selfie) to images of a second type (e.g.,. an ID document image). Once trained, the GAN may be utilized to generate an augmented training set that includes pairs of images (e.g., an image of the first type paired with an image of the second type, an image of the second type generated from an image of the first type paired with an image of the second type). The augmented training data set may be utilized to train a matching model to identify when subsequent input images (e.g., a selfie and an ID image, an ID image generated from a selfie and an actual ID image) match.

5. 发明申请

WO2017019972A1 SYSTEM AND METHOD FOR CONDUCTING TRANSACTIONS USING BIOMETRIC VERIFICATION 审中-公开
标题翻译：使用生物鉴定进行交易的系统和方法
公开(公告)号：WO2017019972A1
公开(公告)日：2017-02-02
申请号：PCT/US2016/044761
申请日：2016-07-29
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： WAGNER, Kim , JIN, Jing , DE OLIVEIRA, Marcelo , AABYE, Christian
IPC分类号： G06Q20/40 , G06Q20/30 , G06Q20/38
CPC分类号： G06Q20/40145 , G06Q20/341
摘要： A biometric verification system is disclosed. The system includes a portable device which stores a biometric reference template and authentication preferences. The portable device can be used with an access device. The access device can prompt the user for a biometric sample, The access device may create a biometric sample template from the biometric sample, and the biometric sample template can be compared to the biometric reference template to determine if a user is authentic.
摘要翻译：公开了生物识别验证系统。该系统包括存储生物特征参考模板和认证偏好的便携式设备。便携式设备可以与接入设备一起使用。访问设备可以提示用户生物测定样本。访问设备可以从生物特征样本创建生物特征样本模板，并且可以将生物特征样本模板与生物特征参考模板进行比较，以确定用户是否可信。

6. 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。

7. 发明申请

WO2023022728A1 METHOD AND SYSTEM FOR GENERATING A SECRET KEY USING NON-COMMUNICATING ENTITIES 审中-公开
公开(公告)号：WO2023022728A1
公开(公告)日：2023-02-23
申请号：PCT/US2021/046851
申请日：2021-08-20
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： ARORA, Sunpreet , BADRINARAYANAN, Saikrishna , RAGHURAMAN, Srinivasan , SHIRVANIAN, Maliheh , WAGNER, Kim , WATSON, Gaven
IPC分类号： H04L9/08 , H04L9/06
摘要： A method for performing a key recovery process is disclosed. The method comprises entering, in a user device, a user identifier unique to a user. The user device may then obscure the user identifier to form an obscured user identifier. The user device may then transmit the obscured user identifier to a first and second entity computer. The method may then include the first entity computer generating a first output using the obscured user identifier and a first share, and the second entity computer generates a second output using the obscured user identifier and a second share. As a response to transmitting the obscured identifier, the user device may receive the first output from the first entity computer and the second output from the second entity computer. The user device may then generate a secret key after processing the first output and the second output, completing the key recovery process.

8. 发明申请

WO2019067348A1 PRIVACY-PROTECTING DEDUPLICATION 审中-公开
公开(公告)号：WO2019067348A1
公开(公告)日：2019-04-04
申请号：PCT/US2018/052393
申请日：2018-09-24
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： WAGNER, Kim , ARORA, Sunpreet Singh , BEST-ROWDEN, Lacey
IPC分类号： G06F21/62 , H04L29/06 , H04L9/08
摘要： A method is disclosed. The method includes a server computer receiving, from a user device, a first encrypted biometric template, wherein the server computer stores a plurality of encrypted enrollment biometric templates, and a table comprising a plurality of encrypted match values and corresponding unencrypted match values. The server computer can then, for each of the plurality of encrypted enrollment biometric templates, input the first encrypted biometric template and an encrypted enrollment biometric template into a function to obtain an encrypted match value. The server computer can then, for each of the plurality of encrypted enrollment biometric templates, determine if the encrypted match value corresponds to an unencrypted match value using the table, wherein the unencrypted match value is greater than a threshold. The server computer can then provide a notification to the user device or another device associated with the unencrypted match value.

9. 发明申请

WO2019055138A1 EFFICIENT HANDS FREE INTERACTION USING BIOMETRICS 审中-公开
公开(公告)号：WO2019055138A1
公开(公告)日：2019-03-21
申请号：PCT/US2018/044139
申请日：2018-07-27
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： ARORA, Sunpreet Singh , WAGNER, Kim , SHEETS, John F.
IPC分类号： G06F21/32 , G06F21/45 , H04L29/06 , H04L9/32
摘要： Methods and systems for performing demographics filtering based on biometric information are disclosed. An access terminal can capture a biometric instance corresponding to a user, such as a fingerprint scan, iris scan, etc. The access terminal can determine demographics information from the biometric instance, such as the age, biological sex, or ethnicity of the user. The access terminal can compare the demographics information to demographics information stored on a group of mobile devices corresponding to a group of users, in order to identify candidate user mobile devices. Once candidate user mobile devices are identified, the access terminal can perform a biometric match between the biometric instance corresponding to the user and biometric instances stored on the candidate user mobile devices. Once a biometric match and the corresponding mobile device are determined, the access terminal can conduct a further interaction with the mobile device.

10. 发明申请

WO2019032301A1 USE OF BIOMETRICS AND PRIVACY PRESERVING METHODS TO AUTHENTICATE ACCOUNT HOLDERS ONLINE 审中-公开
公开(公告)号：WO2019032301A1
公开(公告)日：2019-02-14
申请号：PCT/US2018/043872
申请日：2018-07-26
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： BLACKHURST, Jason , WAGNER, Kim , SHEETS, John , JIANG, Chunxi , ARORA, Sunpreet Singh
IPC分类号： H04L9/32 , H04L9/00
摘要： Embodiments are directed to a method for securely performing biometric authentication online. The method described can be used to securely perform biometric authentication on a mobile device. For protecting the privacy of the users biometric data, a cryptographic comparison protocol can be used to perform matching of encrypted templates. For example, the cryptographic comparison protocol may involve Fuzzy Extractors (FE), Homomorphic Encryption (HE), and/or Secure Multi-Party Computation (SMPC).

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