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1. 发明授权

US10217109B2 Apparatus and method for combining cryptograms for card payments 有权
公开(公告)号：US10217109B2
公开(公告)日：2019-02-26
申请号：US12833059
申请日：2010-07-09
申请人： Michael C. Ward , Patrik Smets , Paul Vanneste
发明人： Michael C. Ward , Patrik Smets , Paul Vanneste
IPC分类号： G06Q20/40 , G06Q20/20 , G06Q20/34 , G06Q20/38 , G07F7/10 , H04L9/32
摘要： At least a first cryptogram and a second cryptogram are transmitted from a payment device reader component to a terminal component. A message including at least the first cryptogram and the second cryptogram is transmitted from the terminal component to an issuer of a payment device presented to the reader component, through a payment network. A message is obtained from the issuer, corresponding to authentication, by the issuer, of the payment device (and optionally the owner of the payment device) presented to the reader component, based at least on the first cryptogram and the second cryptogram. The payment network is configured in accordance with at least one of (i) a standard, and (ii) a specification, which normally employs only a single cryptogram for the message and the authentication. Apparatuses and computer program products are also disclosed.

2. 发明授权

US09240005B2 Methods for risk management in payment-enabled mobile device 有权
标题翻译：支付支付移动设备中的风险管理方法
公开(公告)号：US09240005B2
公开(公告)日：2016-01-19
申请号：US12915550
申请日：2010-10-29
申请人： Patrick Mestré , Cristian Radu , Paul Vanneste , Simon Phillips , Ronald D. Carter
发明人： Patrick Mestré , Cristian Radu , Paul Vanneste , Simon Phillips , Ronald D. Carter
IPC分类号： G06Q20/10 , G06Q20/16 , G06Q20/20 , G06Q20/32 , G06Q20/40 , G07F7/10 , G06Q20/22 , G06Q20/04
CPC分类号： G06Q20/3278 , G06Q20/16 , G06Q20/20 , G06Q20/204 , G06Q20/28 , G06Q20/32 , G06Q20/3433 , G06Q20/349 , G06Q20/381 , G06Q20/40 , G06Q20/4012 , G06Q20/4016 , G06Q20/409 , G07F7/1025
摘要： A payment-enabled mobile device such as a “smart phone” incorporates risk management features that are applicable to its use in contactless payment transactions. Some features may govern when verification of the cardholder's identity is required for consummation of the current transaction. The features may be configurable by the payment card account issuer and/or the user of the mobile device.
摘要翻译：支付支付的移动设备（例如“智能电话”）包含适用于其在非接触式支付交易中的应用的风险管理功能。当完成当前交易时，需要对持卡人身份进行验证时，有些功能可能会受到管辖。功能可以由支付卡帐户发行者和/或移动设备的用户来配置。

3. 发明授权

US08511547B2 Methods and systems for two-factor authentication using contactless chip cards or devices and mobile devices or dedicated personal readers 有权
标题翻译：使用非接触式芯片卡或设备以及移动设备或专用个人读卡器进行双因素认证的方法和系统
公开(公告)号：US08511547B2
公开(公告)日：2013-08-20
申请号：US11615577
申请日：2006-12-22
申请人： Jean-Paul Edmond Rans , Paul Vanneste
发明人： Jean-Paul Edmond Rans , Paul Vanneste
IPC分类号： G06K5/00
CPC分类号： G07F7/1008 , G06F21/31 , G06F21/34 , G06F2221/2115 , G06Q20/341 , G06Q20/40 , G06Q20/40975 , H04L63/0853
摘要： Generating authentication data for use in a transaction by providing a contactless payment device or smart card configured to communicate with a mobile device, placing the contactless chip card in a proximity to the mobile device to instantiate communication between the contactless chip card and the mobile device, inputting a first input value into the mobile device, communicating data derived from the first input value from the mobile device to the contactless chip card, the contactless chip card converting a set of conversion data, including the first input value, into at least one dynamic value based at least in part on a secret value, communicating the dynamic value from the contactless chip card to the mobile device, and communicating authentication data based at least in part on the dynamic value to a user. In some embodiments the first input value is a Personal Identification Number (PIN), a challenge, or both a PIN and a challenge.
摘要翻译：通过提供被配置为与移动设备进行通信的非接触支付设备或智能卡来生成用于交易的认证数据，将非接触式芯片卡放置在移动设备附近以实例化非接触式芯片卡与移动设备之间的通信，将第一输入值输入到所述移动设备中，将从所述第一输入值导出的数据从所述移动设备传送到所述非接触芯片卡，所述非接触芯片卡将包括所述第一输入值的一组转换数据转换为至少一个动态至少部分地基于秘密值，将动态值从非接触式芯片卡传送到移动设备，以及至少部分地基于动态值向用户传达认证数据。在一些实施例中，第一输入值是个人识别码（PIN），挑战，或PIN和挑战。

4. 发明申请

US20110112918A1 METHODS FOR RISK MANAGEMENT IN PAYMENT-ENABLED MOBILE DEVICE 有权
标题翻译：支付移动移动设备风险管理方法
公开(公告)号：US20110112918A1
公开(公告)日：2011-05-12
申请号：US12915550
申请日：2010-10-29
申请人： Patrick Mestré , Cristian Radu , Paul Vanneste , Simon Phillips , Ronald D. Carter
发明人： Patrick Mestré , Cristian Radu , Paul Vanneste , Simon Phillips , Ronald D. Carter
IPC分类号： G06Q20/00 , H04M11/00
CPC分类号： G06Q20/3278 , G06Q20/16 , G06Q20/20 , G06Q20/204 , G06Q20/28 , G06Q20/32 , G06Q20/3433 , G06Q20/349 , G06Q20/381 , G06Q20/40 , G06Q20/4012 , G06Q20/4016 , G06Q20/409 , G07F7/1025
摘要： A payment-enabled mobile device such as a “smart phone” incorporates risk management features that are applicable to its use in contactless payment transactions. Some features may govern when verification of the cardholder's identity is required for consummation of the current transaction. The features may be configurable by the payment card account issuer and/or the user of the mobile device.
摘要翻译：支付支付的移动设备（例如“智能电话”）包含适用于其在非接触式支付交易中的应用的风险管理功能。当完成当前交易时，需要对持卡人身份进行验证时，有些功能可能会受到管辖。功能可以由支付卡帐户发行者和/或移动设备的用户来配置。

5. 发明授权

US08041030B2 Techniques for evaluating live payment terminals in a payment system 有权
标题翻译：用于评估支付系统中的实时支付终端的技术
公开(公告)号：US08041030B2
公开(公告)日：2011-10-18
申请号：US11621295
申请日：2007-01-09
申请人： Jean Somers , Paul Vanneste
发明人： Jean Somers , Paul Vanneste
IPC分类号： H04L9/00 , G06Q20/00 , H04K1/00
CPC分类号： G06Q20/20 , G06Q10/0637 , G06Q20/382 , G06Q20/401
摘要： Live payment terminals employing payment system public keys are evaluated. Dedicated test payment cards are internally issued by an operator of the payment system. Presentation of at least one of the cards to at least one of the terminals is facilitated. Testing the at least one of the terminals for proper management of the payment system public keys is facilitated. The testing can be in a test transaction conducted when the at least one of the cards is presented to the at least one of the terminals. The steps of facilitating presentation and facilitating testing can be conducted substantially without auditing.
摘要翻译：评估采用支付系统公钥的实时支付终端。专用测试支付卡由支付系统的运营商在内部发行。对至少一个终端中的至少一个卡的呈现被促进。测试终端中的至少一个用于支付系统公共密钥的正确管理。当至少一个卡被呈现给终端中的至少一个时，测试可以在进行的测试交易中进行。促进呈现和促进测试的步骤可以在没有审计的情况下进行。

6. 发明授权

US07299974B2 System and method for generating collision-free identifiers for financial transaction cards 有权
标题翻译：用于为金融交易卡生成无冲突标识符的系统和方法
公开(公告)号：US07299974B2
公开(公告)日：2007-11-27
申请号：US11042906
申请日：2005-01-24
申请人： Patrik Smets , Paul Vanneste
发明人： Patrik Smets , Paul Vanneste
IPC分类号： G06F17/00
CPC分类号： G06Q30/02 , G06Q30/0241
摘要： A one-way permutation over financial transaction card data provides a merchant with a unique card identifier for each financial transaction card that is used by a customer to purchase goods from a merchant. This card identifier, which is not the actual financial transaction card data, may then be permissibly stored by the merchant and used to uniquely identify the customer's financial transaction card, and may also be used to determine the frequency with which that customer makes purchases using that card.
摘要翻译：金融交易卡数据的单向排列为商家提供了一种用于每个金融交易卡的唯一卡标识符，用于顾客从商家购买商品。该卡片标识符（不是实际的金融交易卡数据）然后可以被商家容许地存储并且用于唯一地识别客户的金融交易卡，并且还可以用于确定该客户使用该客户进行购买的频率卡。

7. 发明授权

US08909557B2 Authentication arrangement and method for use with financial transaction 有权
标题翻译：金融交易使用认证安排和方法
公开(公告)号：US08909557B2
公开(公告)日：2014-12-09
申请号：US12584704
申请日：2009-09-09
申请人： Mehdi Collinge , Jean-Paul Edmond Rans , Paul Vanneste , John Beric , Dave Roberts , Thomas Tan , Fikret Ates , Jonathan Grossar
发明人： Mehdi Collinge , Jean-Paul Edmond Rans , Paul Vanneste , John Beric , Dave Roberts , Thomas Tan , Fikret Ates , Jonathan Grossar
IPC分类号： G06Q99/00 , G06Q20/36 , G06Q20/34 , G06Q20/04 , G06Q20/40 , G07F7/10 , G06Q20/12 , G06Q20/38
CPC分类号： G07F7/1008 , G06Q20/04 , G06Q20/12 , G06Q20/341 , G06Q20/3674 , G06Q20/388 , G06Q20/40975 , G07F7/1025
摘要： A system and method for generating an authentication token which is used by an issuer associated with a integrated circuit card to authenticate a transaction. A personal card reader receives data, including an authentication cryptogram, from the integrated circuit card. The personal card reader uses the data received from the integrated circuit card to select one of at least two default bitmaps stored in a memory portion of the personal card reader. The personal card reader uses the selected default bitmap and the authentication cryptogram to build the authentication token.
摘要翻译：一种用于产生认证令牌的系统和方法，所述认证令牌由与集成电路卡相关联的发行者用于认证交易。个人读卡器从集成电路卡接收包括认证密码的数据。个人读卡器使用从集成电路卡接收的数据来选择存储在个人读卡器的存储器部分中的至少两个默认位图中的一个。个人读卡器使用所选的默认位图和身份验证密码来构建身份验证令牌。

8. 发明申请

US20070278291A1 Methods and Systems for Two-Factor Authentication Using Contactless Chip Cards or Devices and Mobile Devices or Dedicated Personal Readers 有权
标题翻译：使用非接触式芯片卡或设备和移动设备或专用个人读卡器进行双因素验证的方法和系统
公开(公告)号：US20070278291A1
公开(公告)日：2007-12-06
申请号：US11615577
申请日：2006-12-22
申请人： Jean-Paul Rans , Paul Vanneste
发明人： Jean-Paul Rans , Paul Vanneste
IPC分类号： G06K7/01
CPC分类号： G07F7/1008 , G06F21/31 , G06F21/34 , G06F2221/2115 , G06Q20/341 , G06Q20/40 , G06Q20/40975 , H04L63/0853
摘要： Generating authentication data for use in a transaction by providing a contactless payment device or smart card configured to communicate with a mobile device, placing the contactless chip card in a proximity to the mobile device to instantiate communication between the contactless chip card and the mobile device, inputting a first input value into the mobile device, communicating data derived from the first input value from the mobile device to the contactless chip card, the contactless chip card converting a set of conversion data, including the first input value, into at least one dynamic value based at least in part on a secret value, communicating the dynamic value from the contactless chip card to the mobile device, and communicating authentication data based at least in part on the dynamic value to a user. In some embodiments the first input value is a Personal Identification Number (PIN), a challenge, or both a PIN and a challenge.
摘要翻译：通过提供被配置为与移动设备进行通信的非接触支付设备或智能卡来生成用于交易的认证数据，将非接触式芯片卡放置在移动设备附近以实例化非接触式芯片卡与移动设备之间的通信，将第一输入值输入到所述移动设备中，将从所述第一输入值导出的数据从所述移动设备传送到所述非接触芯片卡，所述非接触芯片卡将包括所述第一输入值的一组转换数据转换为至少一个动态至少部分地基于秘密值，将动态值从非接触式芯片卡传送到移动设备，以及至少部分地基于动态值向用户传达认证数据。在一些实施例中，第一输入值是个人识别码（PIN），挑战，或PIN和挑战。

9. 发明申请

US20050242171A1 System and method for generating collision-free identifiers for financial transaction cards 有权
标题翻译：用于为金融交易卡生成无冲突标识符的系统和方法
公开(公告)号：US20050242171A1
公开(公告)日：2005-11-03
申请号：US11042906
申请日：2005-01-24
申请人： Patrik Smets , Paul Vanneste
发明人： Patrik Smets , Paul Vanneste
IPC分类号： G06K5/00 , G06Q30/00 , G06F17/60
CPC分类号： G06Q30/02 , G06Q30/0241
摘要： A one-way permutation over financial transaction card data provides a merchant with a unique card identifier for each financial transaction card that is used by a customer to purchase goods from a merchant. This card identifier, which is not the actual financial transaction card data, may then be permissibly stored by the merchant and used to uniquely identify the customer's financial transaction card, and may also be used to determine the frequency with which that customer makes purchases using that card.
摘要翻译：金融交易卡数据的单向排列为商家提供了一种用于每个金融交易卡的唯一卡标识符，用于顾客从商家购买商品。该卡片标识符（不是实际的金融交易卡数据）然后可以被商家容许地存储并且用于唯一地识别客户的金融交易卡，并且还可以用于确定该客户使用该客户进行购买的频率卡。

10. 发明申请

US20120011070A1 Apparatus and Method for Combining Cryptograms for Card Payments 审中-公开
标题翻译：用于组合卡支付密码的装置和方法
公开(公告)号：US20120011070A1
公开(公告)日：2012-01-12
申请号：US12833059
申请日：2010-07-09
申请人： Michael C. Ward , Patrik Smets , Paul Vanneste
发明人： Michael C. Ward , Patrik Smets , Paul Vanneste
IPC分类号： G06Q20/00 , G06K5/00 , H04L9/32
CPC分类号： G06Q20/40 , G06Q20/20 , G06Q20/34 , G06Q20/3823 , G06Q20/401 , G06Q20/4012 , G07F7/1016 , H04L9/3242 , H04L2209/56
摘要： At least a first cryptogram and a second cryptogram are transmitted from a payment device reader component to a terminal component. A message including at least the first cryptogram and the second cryptogram is transmitted from the terminal component to an issuer of a payment device presented to the reader component, through a payment network. A message is obtained from the issuer, corresponding to authentication, by the issuer, of the payment device (and optionally the owner of the payment device) presented to the reader component, based at least on the first cryptogram and the second cryptogram. The payment network is configured in accordance with at least one of (i) a standard, and (ii) a specification, which normally employs only a single cryptogram for the message and the authentication. Apparatuses and computer program products are also disclosed.
摘要翻译：至少第一密码和第二密码从支付设备读取器组件传送到终端组件。包括至少第一密码和第二密码的消息通过支付网络从终端组件发送到呈现给读取器组件的支付设备的发行者。至少基于第一密封和第二密码，从颁发者获得对应于由发行者认证呈现给读取器组件的支付设备（以及可选地，支付设备的所有者）的消息。支付网络根据（i）标准和（ii）通常仅对消息和认证采用单个密码的规范中的至少一个进行配置。还公开了设备和计算机程序产品。

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