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1. 发明授权

US07707120B2 Mobile account authentication service 有权
标题翻译：手机帐号认证服务
公开(公告)号：US07707120B2
公开(公告)日：2010-04-27
申请号：US10370149
申请日：2003-02-19
申请人： Benedicto H. Dominguez , Thomas J. Manessis , Janet T. Roth , Pascal Achille Caillon , Jason Spielman , Terence Spielman , James Donald Reno
发明人： Benedicto H. Dominguez , Thomas J. Manessis , Janet T. Roth , Pascal Achille Caillon , Jason Spielman , Terence Spielman , James Donald Reno
IPC分类号： G06F17/60
CPC分类号： H04L63/08 , G06Q20/02 , G06Q20/0855 , G06Q20/12 , G06Q20/32 , G06Q20/322 , G06Q20/347 , G06Q20/3674 , G06Q20/382 , G06Q20/40 , G06Q20/4014 , G06Q20/425 , G06Q30/0601 , G06Q40/12 , G07F7/10 , G07F7/1008 , G07F7/1025 , G07F7/1075 , H04L63/0807 , H04L63/0823 , H04L63/083 , H04L63/166 , H04L63/18 , H04L2463/102
摘要： A payment authentication service authenticates the identity of a payer during online transactions. The authentication service allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as with the use of tokens. Authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requesting a password from the cardholder, verifying the password, and notifying a merchant whether the cardholder's authenticity has been verified. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages via the Internet are described. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages through voice and messaging channels is also described.
摘要翻译：支付认证服务在在线交易期间认证付款人的身份。认证服务允许发卡机构使用各种认证方法（例如使用令牌）来验证持卡人的身份。在在线交易期间验证持卡人的身份包括查询访问控制服务器以确定持卡人是否登记在支付认证服务中，从持卡人请求密码，验证密码，以及通知商家持卡人的真实性是否已被验证。描述了用于实现持卡人使用能够经由因特网发送消息的移动设备的认证服务的系统。还描述了用于实现认证服务的系统，其中持卡人使用能够通过语音和消息通道发送消息的移动设备。

2. 发明申请

US20100063895A1 MOBILE ACCOUNT AUTHENTICATION SERVICE 审中-公开
标题翻译：移动帐户认证服务
公开(公告)号：US20100063895A1
公开(公告)日：2010-03-11
申请号：US12617135
申请日：2009-11-12
申请人： Benedicto H. Dominguez , Thomas J. Manessis , Janet T. Roth , Pascal Achille Caillon , Jason Spielman , Terence Spielman , James Donald Reno
发明人： Benedicto H. Dominguez , Thomas J. Manessis , Janet T. Roth , Pascal Achille Caillon , Jason Spielman , Terence Spielman , James Donald Reno
IPC分类号： G06Q20/00 , G06Q30/00
CPC分类号： H04L63/08 , G06Q20/02 , G06Q20/0855 , G06Q20/12 , G06Q20/32 , G06Q20/322 , G06Q20/347 , G06Q20/3674 , G06Q20/382 , G06Q20/40 , G06Q20/4014 , G06Q20/425 , G06Q30/0601 , G06Q40/12 , G07F7/10 , G07F7/1008 , G07F7/1025 , G07F7/1075 , H04L63/0807 , H04L63/0823 , H04L63/083 , H04L63/166 , H04L63/18 , H04L2463/102
摘要： A payment authentication service authenticates the identity of a payer during online transactions. The authentication service allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as with the use of tokens. Authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requesting a password from the cardholder, verifying the password, and notifying a merchant whether the cardholder's authenticity has been verified. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages via the Internet are described. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages through voice and messaging channels is also described.
摘要翻译：支付认证服务在在线交易期间认证付款人的身份。认证服务允许发卡机构使用各种认证方法（例如使用令牌）来验证持卡人的身份。在在线交易期间验证持卡人的身份包括查询访问控制服务器以确定持卡人是否登记在支付认证服务中，从持卡人请求密码，验证密码，以及通知商家持卡人的真实性是否已被验证。描述了用于实现持卡人使用能够经由因特网发送消息的移动设备的认证服务的系统。还描述了用于实现认证服务的系统，其中持卡人使用能够通过语音和消息通道发送消息的移动设备。

3. 发明授权

US09769134B2 Mobile account authentication service 有权
公开(公告)号：US09769134B2
公开(公告)日：2017-09-19
申请号：US12617135
申请日：2009-11-12
申请人： Benedicto H. Dominguez , Thomas J. Manessis , Janet T. Roth , Pascal Achille Caillon , Jason Spielman , Terence Spielman , James Donald Reno
发明人： Benedicto H. Dominguez , Thomas J. Manessis , Janet T. Roth , Pascal Achille Caillon , Jason Spielman , Terence Spielman , James Donald Reno
IPC分类号： G06Q20/00 , H04L29/06 , G06Q20/02 , G06Q20/08 , G06Q20/12 , G06Q20/32 , G06Q20/34 , G06Q20/36 , G06Q20/38 , G06Q20/40 , G06Q20/42 , G06Q30/06 , G07F7/10 , G06Q40/00
CPC分类号： H04L63/08 , G06Q20/02 , G06Q20/0855 , G06Q20/12 , G06Q20/32 , G06Q20/322 , G06Q20/347 , G06Q20/3674 , G06Q20/382 , G06Q20/40 , G06Q20/4014 , G06Q20/425 , G06Q30/0601 , G06Q40/12 , G07F7/10 , G07F7/1008 , G07F7/1025 , G07F7/1075 , H04L63/0807 , H04L63/0823 , H04L63/083 , H04L63/166 , H04L63/18 , H04L2463/102
摘要： A payment authentication service authenticates the identity of a payer during online transactions. The authentication service allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as with the use of tokens. Authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requesting a password from the cardholder, verifying the password, and notifying a merchant whether the cardholder's authenticity has been verified. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages via the Internet are described. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages through voice and messaging channels is also described.

4. 发明申请

US20120066130A1 DATA AUTHENTICATION AND PROVISIONING METHOD AND SYSTEM 审中-公开
公开(公告)号：US20120066130A1
公开(公告)日：2012-03-15
申请号：US13198447
申请日：2011-08-04
申请人： Benedicto H. Dominguez , Thomas J. Manessis , Melody L. Rutherford , Sandra Salvatori , Janet T. Roth
发明人： Benedicto H. Dominguez , Thomas J. Manessis , Melody L. Rutherford , Sandra Salvatori , Janet T. Roth
IPC分类号： H04L9/32 , G06Q40/00
摘要： Techniques for authenticating the identity and validating the profile of an individual (“a presenter”) who presents him or herself to another party (“an acceptor”) as having a certain identity and having certain corresponding profile data are described. The invention can be advantageously used in Internet transactions where such authentication and validation is difficult to perform. The techniques of the present invention allow the trusted party to give a definitive answer regarding the authentication of identity and validity of profile data. Other services such as profile data provisioning and profile data updating can also be performed.

5. 发明授权

US10679453B2 Data authentication and provisioning method and system 有权
公开(公告)号：US10679453B2
公开(公告)日：2020-06-09
申请号：US13198395
申请日：2011-08-04
申请人： Benedicto H. Dominguez , Thomas J. Manessis , Melody L. Rutherford , Sandra Salvatori , Janet T. Roth
发明人： Benedicto H. Dominguez , Thomas J. Manessis , Melody L. Rutherford , Sandra Salvatori , Janet T. Roth
IPC分类号： G06Q20/40 , G07F7/10 , G06Q20/34 , G06Q20/08 , G06Q20/04 , G06Q20/02 , G06F21/33 , G07C9/22
摘要： Techniques for authenticating the identity and validating the profile of an individual (“a presenter”) who presents him or herself to another party (“an acceptor”) as having a certain identity and having certain corresponding profile data are described. The invention can be advantageously used in Internet transactions where such authentication and validation is difficult to perform. The techniques of the present invention allow the trusted party to give a definitive answer regarding the authentication of identity and validity of profile data. Other services such as profile data provisioning and profile data updating can also be performed.

6. 发明授权

US10672215B2 Data authentication and provisioning method and system 审中-公开
公开(公告)号：US10672215B2
公开(公告)日：2020-06-02
申请号：US13198447
申请日：2011-08-04
申请人： Benedicto H. Dominguez , Thomas J. Manessis , Melody L. Rutherford , Sandra Salvatori , Janet T. Roth
发明人： Benedicto H. Dominguez , Thomas J. Manessis , Melody L. Rutherford , Sandra Salvatori , Janet T. Roth
IPC分类号： G07F7/10 , G06Q20/34 , G06Q20/40 , G06Q20/08 , G06Q20/04 , G06Q20/02 , G06F21/33 , G07C9/22
摘要： Techniques for authenticating the identity and validating the profile of an individual (“a presenter”) who presents him or herself to another party (“an acceptor”) as having a certain identity and having certain corresponding profile data are described. The invention can be advantageously used in Internet transactions where such authentication and validation is difficult to perform. The techniques of the present invention allow the trusted party to give a definitive answer regarding the authentication of identity and validity of profile data. Other services such as profile data provisioning and profile data updating can also be performed.

7. 发明申请

US20120066129A1 DATA AUTHENTICATION AND PROVISIONING METHOD AND SYSTEM 审中-公开
标题翻译：数据认证和提供方法与系统
公开(公告)号：US20120066129A1
公开(公告)日：2012-03-15
申请号：US13198395
申请日：2011-08-04
申请人： Benedicto H. Dominguez , Thomas J. Manessis , Melody L. Rutherford , Sandra Salvatori , Janet T. Roth
发明人： Benedicto H. Dominguez , Thomas J. Manessis , Melody L. Rutherford , Sandra Salvatori , Janet T. Roth
IPC分类号： H04L9/32 , G06Q40/00
摘要： Techniques for authenticating the identity and validating the profile of an individual (“a presenter”) who presents him or herself to another party (“an acceptor”) as having a certain identity and having certain corresponding profile data are described. The invention can be advantageously used in Internet transactions where such authentication and validation is difficult to perform. The techniques of the present invention allow the trusted party to give a definitive answer regarding the authentication of identity and validity of profile data. Other services such as profile data provisioning and profile data updating can also be performed.
摘要翻译：描述用于认证身份并验证将他或她自己呈现给另一方（“受理者”）的个人（“主持人”）的简档具有某一身份并具有某些相应的简档数据的技术。本发明可以有利地用于其中这种认证和验证难以执行的因特网事务。本发明的技术允许可信方给出关于简档数据的身份认证和有效性的确定答案。还可以执行诸如简档数据提供和简档数据更新之类的其他服务。

8. 发明授权

US08019691B2 Profile and identity authentication service 有权
标题翻译：配置文件和身份认证服务
公开(公告)号：US08019691B2
公开(公告)日：2011-09-13
申请号：US10660263
申请日：2003-09-10
申请人： Benedicto H. Dominguez , Thomas J. Manessis , Melody L. Rutherford , Sandra Salvatori , Janet T. Roth
发明人： Benedicto H. Dominguez , Thomas J. Manessis , Melody L. Rutherford , Sandra Salvatori , Janet T. Roth
IPC分类号： G06Q20/00
CPC分类号： G07F7/1008 , G06F21/33 , G06Q20/02 , G06Q20/04 , G06Q20/0855 , G06Q20/341 , G06Q20/40 , G06Q20/401 , G06Q20/4014 , G06Q20/40975 , G07C9/00031
摘要： Authenticating the identity and validating the profile of an individual who presents himself to another party as having a certain identity and corresponding profile data occurs during an Internet transaction. A trusted party gives a definitive answer regarding the authentication of identity and validity of profile data. The trusted party can be a financial institution that has an established relationship with the individual. For example, the financial institution can be a bank that issues a debit or credit card to the individual. The trusted party can also provide the profile data of the individual to the other party, rather than have the individual provide such data. The trusted party can also update the individual's profile data held by the other party when such data is no longer current.
摘要翻译：在互联网交易期间，验证身份并验证将自己呈现给另一方的个人的个人资料具有特定身份和相应的个人资料数据。受信任方对配置文件数据的身份认证和有效性进行认证。信托方可以是与个人建立关系的金融机构。例如，金融机构可以是向个人发放借记卡或信用卡的银行。信任方还可以将个人的简档数据提供给另一方，而不是让个人提供这样的数据。当这样的数据不再是当前时，信任方还可以更新对方持有的个人资料数据。

9. 发明授权

US06298336B1 Card activation at point of distribution 有权
标题翻译：分发点卡激活
公开(公告)号：US06298336B1
公开(公告)日：2001-10-02
申请号：US09216509
申请日：1998-12-18
申请人： Virgil M. Davis , Janet T. Roth
发明人： Virgil M. Davis , Janet T. Roth
IPC分类号： G06F1760
CPC分类号： G07F7/1008 , G06Q20/105 , G06Q20/341 , G06Q20/342 , G06Q20/354 , G06Q20/355 , G06Q20/3558 , G07F7/025 , G07F7/0826 , G07F7/10 , G07F17/42
摘要： Secure activation of stored value cards at a point of distribution uses a portable activation secure application module (ASAM) within the card dispensing machine to activate each card. Each card has a standard user mode and a security user mode. In the standard user mode the card is activated and ready for use. In the security user mode the card is not active and cannot be used to make a purchase. An issuer supplies an issuer activation key to a card supplier who produces a security code which is stored on a stored value card. Cards are supplied to the issuer in security user mode, and stored in a dispensing machine. The issuer activation key is also relayed to the dispensing machine and stored on the ASAM. Upon purchase by a customer, the issuer activation key is used within the machine by the ASAM to reproduce the security code and to activate a card. An activation control counter (ACC) is stored within the ASAM and is decremented for every attempt at activation of a card. ASAMs are maintained in the field using a dial-up connection to a central computer with a control secure application module (CSAM), or using a field secure application module (FSAM) that is created at a central location using the CSAM. Each FSAM is able to update a limited number of ASAMs. A hierarchy of keys is used by the CSAM, the FSAMs and ASAMs to ensure security.
摘要翻译：在分配点安全地启用储值卡使用卡分配机内的便携式激活安全应用模块（ASAM）激活每张卡。每个卡都有标准用户模式和安全用户模式。在标准用户模式下，卡被激活并准备使用。在安全用户模式下，该卡不活动，不能用于购买。发行人向出具存储在储值卡上的证券代码的卡供应商提供发行人激活密钥。卡以安全用户模式提供给发行者，并存储在分发机器中。发卡人激活密钥也被中继到分发机并存储在ASAM中。在由客户购买时，ASAM在机器内使用发行者激活密钥来再现安全码并激活卡。激活控制计数器（ACC）存储在ASAM中，并且在激活卡时每次尝试都减少。使用与控制安全应用模块（CSAM）的中央计算机的拨号连接或使用使用CSAM在中央位置创建的现场安全应用模块（FSAM），在现场维护ASAM。每个FSAM都能够更新有限数量的ASAM。 CSAM，FSAM和ASAM使用密钥层次来确保安全性。

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