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1. 发明授权

US08768837B2 Method and system for controlling risk in a payment transaction 有权
标题翻译：支付交易中风险控制的方法和系统
公开(公告)号：US08768837B2
公开(公告)日：2014-07-01
申请号：US12598730
申请日：2008-05-01
申请人： Arthur D. Kranzley
发明人： Arthur D. Kranzley
IPC分类号： G06Q40/00
CPC分类号： G06Q20/4016 , G06Q20/3226 , G06Q20/34 , G06Q20/40 , G06Q20/403 , G06Q30/00
摘要： Example embodiments of the presently described subject matter are described that require a customer to use a secure payment token if, during a payment transaction, it is determined that the payment transaction poses a risk. A risk analysis may be performed based at least in part on data related to the payment transaction, such as data related to the customer, the transaction itself, the merchant, etc. If the results of the risk analysis indicate that an unacceptable amount of risk exists, the merchant or any interested party may require the customer to use a secure payment token, for example, a smart card, to conduct the transaction. Otherwise, the customer may proceed by using a static payment token, for example a credit card or PIN/password-based payment token.
摘要翻译：描述当前描述的主题的示例性实施例，其要求客户使用安全支付令牌，如果在支付交易期间确定支付交易存在风险。可以至少部分地基于与支付交易相关的数据（例如与客户，交易本身，商家等相关的数据）进行风险分析。如果风险分析的结果表明不可接受的风险量存在，商家或任何感兴趣方可能要求客户使用安全支付令牌（例如智能卡）来进行交易。否则，客户可以使用静态支付令牌继续进行，例如信用卡或基于PIN /密码的付款令牌。

2. 发明申请

US20100262542A1 Method And System For Controlling Risk In A Payment Transaction 有权
标题翻译：支付交易风险控制方法与系统
公开(公告)号：US20100262542A1
公开(公告)日：2010-10-14
申请号：US12598730
申请日：2008-05-01
申请人： Arthur D. Kranzley
发明人： Arthur D. Kranzley
IPC分类号： G06Q20/00 , G06Q30/00
CPC分类号： G06Q20/4016 , G06Q20/3226 , G06Q20/34 , G06Q20/40 , G06Q20/403 , G06Q30/00
摘要： Example embodiments of the presently described subject matter are described that require a customer to use a secure payment token if, during a payment transaction, it is determined that the payment transaction poses a risk. A risk analysis may be performed based at least in part on data related to the payment transaction, such as data related to the customer, the transaction itself, the merchant, etc. If the results of the risk analysis indicate that an unacceptable amount of risk exists, the merchant or any interested party may require the customer to use a secure payment token, for example, a smart card, to conduct the transaction. Otherwise, the customer may proceed by using a static payment token, for example a credit card or PIN/password-based payment token.
摘要翻译：描述当前描述的主题的示例性实施例，其要求客户使用安全支付令牌，如果在支付交易期间确定支付交易存在风险。可以至少部分地基于与支付交易相关的数据（例如与客户，交易本身，商家等相关的数据）进行风险分析。如果风险分析的结果表明不可接受的风险量存在，商家或任何感兴趣方可能要求客户使用安全支付令牌（例如智能卡）来进行交易。否则，客户可以使用静态支付令牌继续进行，例如信用卡或基于PIN /密码的付款令牌。

3. 发明授权

US07058611B2 Method and system for conducting secure electronic commerce transactions with authorization request data loop-back 有权
公开(公告)号：US07058611B2
公开(公告)日：2006-06-06
申请号：US09902359
申请日：2001-07-10
申请人： Arthur D. Kranzley , Stephen W. Orfei , Bruce J. Rutherford , John Wankmueller
发明人： Arthur D. Kranzley , Stephen W. Orfei , Bruce J. Rutherford , John Wankmueller
IPC分类号： H04L9/00 , G06F12/14
CPC分类号： G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/3674 , G06Q20/382 , G06Q20/38215 , G06Q20/3823 , G06Q20/3825 , G06Q20/40 , G06Q30/0185 , G06Q30/0609 , G06Q40/00
摘要： In accordance with the present invention, when an appropriate transaction message is received by a payment gateway, instead of requesting an authorization of the transaction through the payment network, the payment gateway instead sends an authorization response back to the message originator. The payment gateway may perform authentication functions and send transaction data back to the message originator. In this way, the payment gateway may be used for authentication functions while the message originator may use its existing payment system protocols to conduct authorization functions.

4. 发明授权

US09454865B2 Methods and systems to securely load / reload acontactless payment device 有权
标题翻译：安全加载/重新加载无支付支付设备的方法和系统
公开(公告)号：US09454865B2
公开(公告)日：2016-09-27
申请号：US12537084
申请日：2009-08-06
申请人： Arthur D. Kranzley , John R. Wankmueller , Duncan Garrett
发明人： Arthur D. Kranzley , John R. Wankmueller , Duncan Garrett
IPC分类号： G06Q20/00 , G07F7/08 , G06Q20/10 , G06Q20/34 , G06Q20/36
CPC分类号： G06Q20/352 , G06Q20/105 , G06Q20/349 , G06Q20/3672 , G06Q20/4012 , G06Q20/409 , G07F7/08
摘要： Embodiments allow loading and reloading contactless payment devices using only a contactless terminal interface, while providing user authentication. The contactless terminal interface could be at a merchant POS location, kiosk, or embedded or attached to a personal computing device with contactless read/write capability such as a personal computer or mobile phone or Internet device.
摘要翻译：实施例允许仅使用非接触式终端接口加载和重新加载非接触式支付设备，同时提供用户认证。非接触终端接口可以在商户POS位置，信息亭处，或嵌入或附加到具有非接触式读/写能力的个人计算设备，例如个人计算机或移动电话或因特网设备。

5. 发明授权

US07801825B2 Systems and methods for conducting secure payment transactions using a formatted data structure 有权
标题翻译：使用格式化数据结构进行安全支付交易的系统和方法
公开(公告)号：US07801825B2
公开(公告)日：2010-09-21
申请号：US10560177
申请日：2004-06-10
申请人： Arthur D. Kranzley , Stephen W. Orfei , Bruce J. Rutherford , Mark Wiseman
发明人： Arthur D. Kranzley , Stephen W. Orfei , Bruce J. Rutherford , Mark Wiseman
IPC分类号： G06Q20/00
CPC分类号： G06Q20/04 , G06Q20/02 , G06Q20/027 , G06Q20/10 , G06Q20/12 , G06Q20/3674 , G06Q20/3821 , G06Q20/3827 , G06Q20/4014 , G06Q30/04 , G06Q30/06 , H04L9/3242 , H04L9/3247 , H04L2209/56
摘要： A formatted data structure is provided for conveying the results of ecommerce authentication programs that are used to authenticate a cardholder's on-line transactions. The data structure, which has at most a 20-byte length, is designed to be compatible with 3-D Secure message protocols used in e-commerce. The data structure includes designated fields that include a hash of the merchant's name, identify an authentication service provider, identify the authentication method used, and include a merchant authentication code which ties cardholder information to the transaction. Secure payment algorithms are provided for use by the e-commerce authentication programs to generate authentication results in the desired format. In one secure payment algorithm, a secret key is used to encrypt a concatenation of a cardholder account number with information from designated fields of the data structure. In another secure payment algorithm, a pair of secret keys is used to encrypt a concatenation of the cardholder's account number, card expiration date and service code. In both cases, portions of the encryption results are used to define the merchant authentication code.
摘要翻译：提供格式化的数据结构，用于传达用于认证持卡人在线交易的电子商务认证程序的结果。最多具有20字节长度的数据结构被设计为与电子商务中使用的3-D安全消息协议兼容。数据结构包括指定字段，其包括商家名称的散列，识别认证服务提供商，识别所使用的认证方法，并且包括将持卡人信息与交易相关联的商家认证码。提供安全支付算法供电子商务认证程序使用以产生所需格式的认证结果。在一种安全支付算法中，秘密密钥用于加密持卡人帐号与来自数据结构的指定字段的信息的级联。在另一种安全支付算法中，一对秘密密钥用于加密持卡人帐号，卡片到期日期和服务代码的连接。在这两种情况下，部分加密结果用于定义商家验证码。

6. 发明申请

US20100125509A1 METHODS AND SYSTEMS FOR SECURE MOBILE DEVICE INITIATED PAYMENTS USING GENERATED IMAGE DATA 有权
标题翻译：使用生成的图像数据确保移动设备启动支付的方法和系统
公开(公告)号：US20100125509A1
公开(公告)日：2010-05-20
申请号：US12475735
申请日：2009-06-01
申请人： Arthur D. Kranzley , John R. Wankmueller
发明人： Arthur D. Kranzley , John R. Wankmueller
IPC分类号： G06Q20/00 , G07F19/00
CPC分类号： G06Q20/3274 , G06Q20/20 , G06Q20/204 , G06Q20/32 , G06Q40/00
摘要： Systems, methods, processes, computer program code and means for conducting a payment transaction are provided which include activating a payment application of a mobile device, generating, using the payment application, an optical image representing payment account information associated with the payment application, said payment account information including at least one of a payment account number, an expiry date of the payment account number, and a dynamic verification code generated by the payment application; and presenting the optical image to a merchant transaction terminal for scanning to conduct the payment transaction.
摘要翻译：提供了用于执行支付交易的系统，方法，过程，计算机程序代码和手段，其包括激活移动设备的支付应用，使用支付应用生成表示与支付应用相关联的支付帐户信息的光学图像，所述光学图像表示支付帐户信息，包括支付帐号，支付帐号的有效期和支付应用产生的动态验证码中的至少一个; 并将光学图像呈现给商家交易终端进行扫描以进行支付交易。

7. 发明授权

US09881297B2 Methods and systems for secure mobile device initiated payments using generated image data 有权
公开(公告)号：US09881297B2
公开(公告)日：2018-01-30
申请号：US12475735
申请日：2009-06-01
申请人： Arthur D. Kranzley , John R. Wankmueller
发明人： Arthur D. Kranzley , John R. Wankmueller
IPC分类号： G06Q40/00 , G06Q20/32 , G06Q20/20
CPC分类号： G06Q20/3274 , G06Q20/20 , G06Q20/204 , G06Q20/32 , G06Q40/00
摘要： Systems, methods, processes, computer program code and means for conducting a payment transaction are provided which include activating a payment application of a mobile device, generating, using the payment application, an optical image representing payment account information associated with the payment application, said payment account information including at least one of a payment account number, an expiry date of the payment account number, and a dynamic verification code generated by the payment application; and presenting the optical image to a merchant transaction terminal for scanning to conduct the payment transaction.

8. 发明申请

US20140250016A1 Method and System for Controlling Risk in a Payment Transaction 审中-公开
标题翻译：支付交易风险控制方法与制度
公开(公告)号：US20140250016A1
公开(公告)日：2014-09-04
申请号：US14280247
申请日：2014-05-16
申请人： Arthur D. Kranzley
发明人： Arthur D. Kranzley
IPC分类号： G06Q20/40
摘要： Example embodiments of the presently described subject matter are described that require a customer to use a secure payment token if, during a payment transaction, it is determined that the payment transaction poses a risk. A risk analysis may be performed based at least in part on data related to the payment transaction, such as data related to the customer, the transaction itself, the merchant, etc. If the results of the risk analysis indicate that an unacceptable amount of risk exists, the merchant or any interested party may require the customer to use a secure payment token, for example, a smart card, to conduct the transaction. Otherwise, the customer may proceed by using a static payment token, for example a credit card or PIN/password-based payment token.
摘要翻译：描述当前描述的主题的示例性实施例，其要求客户使用安全支付令牌，如果在支付交易期间确定支付交易存在风险。可以至少部分地基于与支付交易相关的数据（例如与客户，交易本身，商家等相关的数据）进行风险分析。如果风险分析的结果表明不可接受的风险量存在，商家或任何感兴趣方可能要求客户使用安全支付令牌（例如智能卡）来进行交易。否则，客户可以使用静态支付令牌继续进行，例如信用卡或基于PIN /密码的付款令牌。

9. 发明申请

US20130275304A1 RULE-BASED SELECTION OF FINANCIAL ACCOUNT FOR PAYMENT CARD TRANSACTION 审中-公开
标题翻译：基于规则选择用于支付卡交易的金融帐户
公开(公告)号：US20130275304A1
公开(公告)日：2013-10-17
申请号：US13683369
申请日：2012-11-21
申请人： Arthur D. Kranzley
发明人： Arthur D. Kranzley
IPC分类号： G06Q20/34
CPC分类号： G06Q20/3572 , G06Q20/04 , G06Q20/12 , G06Q20/227 , G06Q20/40 , G06Q20/4016 , G06Q20/405 , G06Q40/02
摘要： A method of operating a payment card system includes receiving, from a card holder, information indicative of at least one attribute of an account selection rule. The account selection rule is stored in a database. A request to authorize a payment card transaction is received. In response to the request, the stored account selection rule is retrieved. The method further includes selecting among a plurality of accounts belonging to the card holder based at least in part on the retrieved account selection rule. The selected account is used for the requested payment card transaction.
摘要翻译：操作支付卡系统的方法包括从卡持有者接收指示帐户选择规则的至少一个属性的信息。帐户选择规则存储在数据库中。收到授权支付卡交易的请求。响应该请求，检索存储的帐户选择规则。该方法还包括至少部分地基于检索的帐户选择规则来选择属于持卡人的多个账户。所选帐户用于所请求的支付卡交易。

10. 发明申请

US20100242104A1 METHODS AND SYSTEMS FOR SECURE AUTHENTICATION 审中-公开
标题翻译：安全认证的方法和系统
公开(公告)号：US20100242104A1
公开(公告)日：2010-09-23
申请号：US12501701
申请日：2009-07-13
申请人： John R. Wankmueller , Arthur D. Kranzley
发明人： John R. Wankmueller , Arthur D. Kranzley
IPC分类号： H04L9/32 , G06F21/00
CPC分类号： G06F21/36 , H04L9/3226 , H04L63/083 , H04L2209/56 , H04L2209/80 , H04W12/06
摘要： A system, device, method, program instructions, and means for securely authenticating a user, the method including mapping, by a one time code generating device in the possession of a user, a one time code onto a graphical representation of a positional array; displaying the one time code mapped onto the graphical representation of the positional array; determining an encoded personal identification number (PIN), the encoded PIN is based on the one time code mapped onto the graphical representation of the positional array and a static PIN known by the user; and authenticating the user based on the encoded PIN.
摘要翻译：一种用于安全地认证用户的系统，设备，方法，程序指令和装置，所述方法包括由拥有用户的一次性代码生成装置将一个时间码映射到位置数组的图形表示; 显示映射到位置阵列的图形表示的一次代码; 确定编码的个人识别码（PIN），编码的PIN基于映射到位置阵列的图形表示的一次代码和用户已知的静态PIN; 以及基于编码的PIN来验证用户。

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