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1. 发明申请

WO2006079001A2 METHOD AND SYSTEM FOR PERFORMING DATA EXCHANGES RELATED TO FINANCIAL TRANSACTIONS OVER A PUBLIC NETWORK 审中-公开
标题翻译：公共网络上与财务交易相关的数据交换的方法和系统
公开(公告)号：WO2006079001A2
公开(公告)日：2006-07-27
申请号：PCT/US2006/002214
申请日：2006-01-20
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , WENTKER, David , WACHOB, Gabriel , LINDELSEE, Mike
发明人： WENTKER, David , WACHOB, Gabriel , LINDELSEE, Mike
IPC分类号： H04L9/00
CPC分类号： H04L63/10 , G06Q20/382 , G06Q40/02 , H04L9/3247 , H04L9/3263 , H04L9/3273 , H04L63/12 , H04L2209/56 , H04L2463/102
摘要： Methods and systems for exchanging data related to financial transactions utilizing a public network are disclosed. One or more participant computer systems are in communication with the public network. Each participant computer system includes at least one application for performing functions related to a financial transaction, and a gateway providing an interface for sending and receiving data between participant computer systems. At least one directory is used to identify a path for transmitting data between participant computer systems. Upon receiving a message from an application, the gateway accesses the directory to determine a destination address. The gateway then uses the address to open a channel through the public network to send the message to another participant computer system.
摘要翻译：公开了利用公共网络交换与金融交易有关的数据的方法和系统。一个或多个参与者计算机系统与公共网络通信。每个参与者计算机系统包括用于执行与金融交易相关的功能的至少一个应用程序，以及提供用于在参与者计算机系统之间发送和接收数据的接口的网关。使用至少一个目录来标识在参与者计算机系统之间传输数据的路径。在从应用程序接收到消息时，网关访问目录以确定目的地址。然后，网关使用地址通过公共网络打开信道，以将消息发送到另一个参与者计算机系统。

2. 发明申请

WO2010017493A2 TRANSACTION SECURED IN AN UNTRUSTED ENVIRONMENT 审中-公开
标题翻译：非侵权环境中的交易
公开(公告)号：WO2010017493A2
公开(公告)日：2010-02-11
申请号：PCT/US2009/053177
申请日：2009-08-07
申请人： VISA U.S.A. INC. , WENTKER, David , WACHOB, Gabriel
发明人： WENTKER, David , WACHOB, Gabriel
IPC分类号： G06Q20/00 , G06Q30/00 , G06F21/20
CPC分类号： G06Q20/40
摘要： To secure communications in an untrusted environment for a commercial transaction on an account between the account's holder and a merchant, an identifier and a signature can be derived from a token. The identifier is associated by use of a directory with an application context that identifies the account's issuer. The merchant will provide the signature to the account's issuer, or agent thereof, to be verified. In practice, a merchant to the identified issuer of an account an authorization request message for a transaction that includes a signature and an identifier for the account upon which the transaction is to be conducted. The account's issuer responds with an authorization response message that includes an indicator that the signature has been verified. After notice of the signature's verification, the transaction on the account is deemed authorized and the merchant can proceed.
摘要翻译：为了在帐户的持有人和商家之间的帐户上的商业交易的不受信任的环境中保护通信，可以从令牌导出标识符和签名。该标识符通过使用具有标识该帐户的发行者的应用程序上下文的目录相关联。商户将向该账户的发行人或其代理人提供签名，以进行验证。在实践中，商户向帐户的识别发行者发送包括签名的交易的授权请求消息和要进行交易的帐户的标识符。帐户的颁发者用授权响应消息进行响应，该消息包括签名已被验证的指示符。签收验证通知后，该帐户的交易被视为已被授权，商家可以继续进行。

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