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1. 发明公开

EP3259723A4 STEGANOGRAPHIC IMAGE ON PORTABLE DEVICE 审中-公开
公开(公告)号：EP3259723A4
公开(公告)日：2018-07-18
申请号：EP16753076
申请日：2016-02-18
申请人： VISA INT SERVICE ASS
发明人： OTERO CESAR
IPC分类号： G06Q20/16 , G06F21/62 , G06Q20/12 , G06Q20/32 , G06Q20/34 , G06T1/00
CPC分类号： G06F21/602 , G06F21/6209 , G06F21/6245 , G06T1/0021 , H04N19/44
摘要： A method for concealing sensitive information on a portable device via a steganographic image is disclosed. The portable device can be in the form of a card such as a driver's license or credit card and the hidden information may include a person's name or account number.

2. 发明公开

EP3256949A4 MULTI-PARTY ENCRYPTION CUBE PROCESSING APPARATUSES, METHODS AND SYSTEMS 审中-公开
公开(公告)号：EP3256949A4
公开(公告)日：2018-07-11
申请号：EP16749938
申请日：2016-02-12
申请人： VISA INT SERVICE ASS
发明人： HARRIS THEODORE , EDINGTON SCOTT
IPC分类号： G06F12/14 , G06F21/60 , G06F21/62 , G06Q20/38 , G06Q40/00 , H04L9/00 , H04W12/02
CPC分类号： G06F21/602 , G06F21/6245 , G06Q20/3823 , G06Q40/00 , H04L9/008 , H04W12/02
摘要： Computer-implemented systems and methods are disclosed herein for use within secure multi-party computation. A system and method are used for storing an operation preference and a cryptographic preference. A data set is stored based on the operation preference and the cryptographic preference. A determination is made that processing the query involves performing an allowable operation on the data set based on the operation preference.

3. 发明公开

EP3251073A4 DIRECT FUNDS TRANSFER PROCESS 审中-公开
公开(公告)号：EP3251073A4
公开(公告)日：2018-06-20
申请号：EP16743985
申请日：2016-01-26
申请人： VISA INT SERVICE ASS
发明人： KENNEDY KATE J
IPC分类号： G06Q40/04 , G06Q20/02 , G06Q30/06 , G06Q50/10
CPC分类号： G06Q20/02 , G06Q20/023
摘要： The present disclosure relates generally to settlement processing. More particularly, techniques (e.g., systems, methods, and devices) are disclosed for facilitating direct settlement of transactions for a specific transacting entity. Techniques are disclosed to enable reporting of transacting entity-specific settlement information to further enhance the settlement process. In certain embodiments, a processing system may perform direct settlement with a transacting entity for transactions involving the transacting entity. The transactions may be identified using a unique identifier assigned to the transacting entity associated with those transactions. During settlement, the processing system can directly communicate with a financial institution of the transacting entity, as opposed to an acquirer, to facilitate settlement of the transactions that are identified as being associated with the transacting entity.

4. 发明公开

EP3318043A4 MUTUAL AUTHENTICATION OF CONFIDENTIAL COMMUNICATION 审中-公开
公开(公告)号：EP3318043A4
公开(公告)日：2018-06-13
申请号：EP16818857
申请日：2016-06-30
申请人： VISA INT SERVICE ASS
发明人： LE SAINT ERIC
IPC分类号： H04L9/08 , H04L9/32 , H04L29/06
CPC分类号： H04L9/0844 , H04L9/0869 , H04L9/3265 , H04L9/3273 , H04L63/0442 , H04L63/061 , H04L63/0869 , H04L2209/04 , H04L2209/08 , H04L2209/38 , H04L2209/56
摘要： Some embodiments provide systems and methods for confidentially and securely provisioning data to an authenticated user device. A user device may register an authentication public key with an authentication server. The authentication public key may be signed by an attestation private key maintained by the user device. Once the user device is registered, a provisioning server may send an authentication request message including a challenge to the user device. The user device may sign the challenge using an authentication private key corresponding to the registered authentication public key, and may return the signed challenge to the provisioning server. In response, the provisioning server may provide provisioning data to the user device. The registration, authentication, and provisioning process may use public key cryptography while maintaining confidentiality of the user device, the provisioning server, and then authentication server.

5. 发明公开

EP3231157A4 PROVISIONING PLATFORM FOR MACHINE-TO-MACHINE DEVICES 审中-公开
公开(公告)号：EP3231157A4
公开(公告)日：2018-05-09
申请号：EP15868000
申请日：2015-12-01
申请人： VISA INT SERVICE ASS
发明人： PRAKASH GYAN , GADDAM AJIT , AISSI SELIM
IPC分类号： H04L29/06 , G01D4/00 , G06F21/44 , G06Q20/32 , H04L29/08 , H04W4/00 , H04W8/20 , H04W12/08
CPC分类号： G06Q20/3226 , F25D2500/06 , G01D4/004 , G06F21/44 , H04L63/0876 , H04L63/102 , H04W4/70 , H04W8/005 , H04W8/26
摘要： Techniques described herein include a platform and process for provisioning user information onto a machine-to-machine device in order to enable the machine-to-machine device to conduct transactions utilizing the user information. In some embodiments, a user device is used to relay information between a machine-to-machine device and a provisioning service provider computer. In some embodiments, a machine-to-machine device is connected to the provisioning service provider computer via a network connection. Upon receiving a request to provision the machine-to-machine device, the service provider computer may identify the device from a device identifier. The service provider computer may generate an access credential or token for the machine-to-machine device. The access credential, token, and/or one or more policies may be provisioned onto the machine-to-machine device.

6. 发明公开

EP3215993A4 VALUE-ADDED SERVICES DATA AND PROTOCOL AND TRANSACTIONS INVOLVING VEHICLE SPECIFIC DATA 审中-公开
公开(公告)号：EP3215993A4
公开(公告)日：2018-04-18
申请号：EP15857852
申请日：2015-11-05
申请人： VISA INT SERVICE ASS
发明人： ENRIQUEZ MARTIN , SRIVASTAVA CHANDRA , OVICK JOSEPH BJORN
IPC分类号： G06Q20/20
CPC分类号： G06Q30/0253 , G06Q30/0226 , G06Q30/0265 , G06Q30/0267
摘要： A method for enabling a value-added transaction involving a vehicle and a merchant via a mobile device is disclosed. Merchant information may be broadcasted from a merchant terminal. Vehicle specific data may be received at the merchant terminal identifying the vehicle in response to the broadcasted merchant information. Transaction data may be provided to the mobile device to initiate an intended transaction. Payment data may be received from the mobile device at the merchant terminal in response to the provided transaction data. Before completing the intended transaction, a value-added transaction offer may be provided to the mobile device. In response to the provided value-added transaction offer, an acceptance of the value-added transaction offer may be received. The intended transaction and the value-added transaction offer may be completed as a single transaction.

7. 发明公开

EP3198914A4 SYSTEMS AND METHODS FOR IDENTIFYING MOBILE DEVICES 审中-公开
公开(公告)号：EP3198914A4
公开(公告)日：2018-04-11
申请号：EP15844362
申请日：2015-09-18
申请人： VISA INT SERVICE ASS
发明人： BADENHORST CORNELIUS JOHANNES
IPC分类号： H04W12/06 , G06Q20/32 , G06Q20/40 , H04W4/02
CPC分类号： G06Q20/3224 , G06Q20/40
摘要： The disclosure provides systems and methods for identifying a mobile device when requesting a secure transaction. In a method conducted at a transaction server access to stored location data having been periodically received relating to a mobile device and stored with an identifier of the mobile device is provided. Historical location data having been stored locally at a mobile device is received from the mobile device when requesting a secure transaction. The historical location data received from the mobile device is matched to a subset of the stored location data to obtain or verify an identifier of the mobile device requesting the secure transaction. The mobile device requesting the secure transaction is associated with the identifier so as to identify or verify the identity of the mobile device requesting the secure transaction.

8. 发明公开

EP3138060A4 SYSTEMS AND METHODS FOR DATA DESENSITIZATION 审中-公开
标题翻译： SYSTEME UND VERFAHRENFÜRDATENDESENSIBILISIERUNG
公开(公告)号：EP3138060A4
公开(公告)日：2017-09-06
申请号：EP15786042
申请日：2015-04-29
申请人： VISA INT SERVICE ASS
发明人： LAM JER WEI
IPC分类号： G06Q20/38 , G06Q20/34 , G06Q20/40
CPC分类号： G06Q20/409 , G06Q20/34 , G06Q20/382 , G06Q20/385 , G06Q20/401 , G06Q20/4016 , G06Q20/4018 , H04L2209/56

9. 发明授权

EP2637131B1 METHOD OF PERFORMING TRANSACTIONS WITH CONTACTLESS PAYMENT DEVICES USING PRE-TAP AND TWO-TAP OPERATIONS 有权
标题翻译：对于非接触式支付设备和成像和两级手术援助进行交易法
公开(公告)号：EP2637131B1
公开(公告)日：2017-06-21
申请号：EP13160698
申请日：2009-09-22
申请人： VISA INT SERVICE ASS
发明人： AABYE CHRISTIAN , NGO HAO , WILSON DAVID
IPC分类号： G06Q20/00 , G06Q20/32 , H04B1/40
CPC分类号： G06Q20/32 , G06Q20/10 , G06Q20/20 , G06Q20/202 , G06Q20/204 , G06Q20/322 , G06Q20/3224 , G06Q20/3278 , G06Q20/382 , G06Q20/3829 , G06Q20/40 , G06Q40/12
摘要： A system, apparatus, and method for processing payment transactions that are conducted using a mobile payment device that includes a contactless element, such as an integrated circuit chip. The invention enables one or more of the operations of activation of a payment application, transfer of transaction data, updating of account records, setting or re-setting of a payment application counter or register, or transfer or processing of a script, command, or instruction, with these functions being performed with minimal impact on a consumer. This is accomplished by introducing a pre-tap and/or two-tap operation prior to, or as part of, the transaction flow.
摘要翻译：一种系统，装置和用于处理支付交易的方法，并使用移动支付装置传导并包括一个非接触式元件，颜色：例如在集成电路芯片上。本发明使一个或一个以上支付应用程序的激活，交易数据，的账户记录更新的转移的操作，设定或重新设定支付应用程序计数器或寄存器，或一个脚本，命令的传输或者处理，或者指令，与合成功能正在执行对消费者的影响微乎其微。这是通过引入一个预抽头和/或两抽头操作之前，或作为交易流部分来实现的。

10. 发明公开

EP3033725A4 SECURE REMOTE PAYMENT TRANSACTION PROCESSING USING A SECURE ELEMENT 审中-公开
标题翻译： GESICHERTE REMOTE-ZAHLUNGSTRANSAKTIONSVERARBEITUNG MIT EINEM SICHEREN ELEMENT
公开(公告)号：EP3033725A4
公开(公告)日：2017-05-03
申请号：EP14836208
申请日：2014-08-15
申请人： VISA INT SERVICE ASS
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：本发明的实施例针对用于安全地处理远程交易的方法，设备，计算机可读介质和系统。本发明的一个实施例针对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接收来自移动设备上的交易处理器应用的交易数据。该方法还包括验证交易处理器应用程序是可信的并且响应于验证交易处理器应用程序，向交易处理器应用程序提供加密的支付凭证。交易处理器应用程序还使用加密的支付凭证来启动与交易处理器服务器计算机的支付交易。

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