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1. 发明申请

US20160350742A1 SYSTEM AND METHOD FOR TRANSMITTING AND AND RECEIVING TRANSACTION INFORMATION 审中-公开
标题翻译：用于发送和接收交易信息的系统和方法
公开(公告)号：US20160350742A1
公开(公告)日：2016-12-01
申请号：US15112947
申请日：2015-02-19
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： Alan Joseph O'Regan , Horatio Nelson Huxham , Tara Anne Moss , Hough Van Wyk
IPC分类号： G06Q20/32
CPC分类号： G06Q20/3224 , G06Q20/3276
摘要： A method and system for transmitting and receiving transaction information are provided. The method for transmitting transaction information is performed on a computing device and includes: accessing transaction information to be transmitted and selecting an electronic file. The metadata stored in the electronic file is edited to insert the transaction information into one or more fields of the metadata to provide modified metadata of the electronic file. The electronic file with the modified metadata is transmitted to a receiving entity for processing of the transaction information. The transaction information may be in the form of payment credentials usable to enable a payment transaction.
摘要翻译：提供了一种用于发送和接收交易信息的方法和系统。在计算设备上执行用于发送交易信息的方法，包括：访问要发送的交易信息并选择电子文件。编辑存储在电子文件中的元数据以将交易信息插入元数据的一个或多个字段以提供电子文件的修改的元数据。具有修改的元数据的电子文件被发送到接收实体以处理交易信息。交易信息可以是可用于启用支付交易的支付凭证的形式。

2. 发明授权

US09473454B2 Security gateway communication 有权
标题翻译：安全网关通信
公开(公告)号：US09473454B2
公开(公告)日：2016-10-18
申请号：US14532876
申请日：2014-11-04
申请人： Visa International Service Association
发明人： Horatio Nelson Huxham
IPC分类号： H04L29/06 , H04W12/02 , H04W12/08 , G06Q20/02 , G06Q20/32 , G06Q20/38 , H05K3/32
CPC分类号： H04L63/02 , G06Q20/027 , G06Q20/3223 , G06Q20/3226 , G06Q20/3229 , G06Q20/325 , G06Q20/3278 , G06Q20/382 , G06Q20/3823 , H04L63/0281 , H04L63/0464 , H04L63/08 , H04L63/10 , H04L2463/102 , H04W12/02 , H04W12/08 , H05K3/321 , Y10T29/4913 , Y10T29/53174
摘要： A gateway device and methods performed therein to prevent unauthorized client devices from connecting to the host network of the gateway device is described. The gateway device does not respond right away to an individual client message sent to the gateway device. Instead, the gateway device only responds to a predetermined sequence of the client messages, which is only known to the gateway device and authorized client devices. Because the gateway device will not respond to random client messages and the likelihood that an unauthorized client device can correctly guess the predetermined sequence of the client messages is low, the risk of a malicious party being able to hack into the host network, for example, by using port scanning techniques, can be mitigated.
摘要翻译：描述了在其中执行的网关设备和方法，以防止未经授权的客户端设备连接到网关设备的主机网络。网关设备不会立即响应发送到网关设备的单个客户端消息。相反，网关设备仅响应客户端消息的预定序列，其仅对于网关设备和授权的客户端设备才是已知的。由于网关设备不会对随机客户端消息进行响应，并且未经授权的客户端设备可以正确地猜测客户端消息的预定序列的可能性低，所以恶意方能够入侵主机网络的风险，例如，通过使用端口扫描技术，可以减轻。

3. 发明授权

US09426127B2 Small form-factor cryptographic expansion device 有权
标题翻译：小型加密扩展设备
公开(公告)号：US09426127B2
公开(公告)日：2016-08-23
申请号：US13875985
申请日：2013-05-02
申请人： Visa International Service Association
发明人： Horatio Nelson Huxham , Alan Joseph O'Regan
IPC分类号： H04L29/06 , H04W12/02 , H04W12/06 , H04W88/02
CPC分类号： H04L63/0428 , H04L9/0625 , H04L9/0631 , H04L63/0853 , H04W12/02 , H04W12/06 , H04W88/02
摘要： A cryptographic expansion device that can be attached to a communication component of a communication device to enable the communication device to perform cryptographic operations on communications sent to and from the communication device is described. The cryptographic expansion device can be a small-form factor cryptographic expansion device that can be used with a small-form factor communication component such as a micro-SIM (subscriber identity module) card. When used with a communication device, the cryptographic expansion device enables the communication device to send and received end-to-end secure encrypted communications. The end-to-end secure communications enabled by the cryptographic expansion device can be utilized by a user of the communication device to perform financial and/or banking transactions.
摘要翻译：可以附加到通信设备的通信部件以使通信设备能够对通信设备发送的通信进行密码操作的加密扩展设备进行描述。密码扩展设备可以是可以与诸如微型SIM（用户识别模块）卡的小尺寸通信组件一起使用的小尺寸加密扩展设备。当与通信设备一起使用时，加密扩展设备使得通信设备能够发送和接收端到端的安全加密通信。密码扩展设备启用的端到端安全通信可以由通信设备的用户利用来执行财务和/或银行交易。

4. 发明申请

US20160203482A1 SYSTEM AND METHOD FOR GENERATING PAYMENT CREDENTIALS 审中-公开
标题翻译：用于产生付款证明的系统和方法
公开(公告)号：US20160203482A1
公开(公告)日：2016-07-14
申请号：US14910947
申请日：2014-08-13
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： Horatio Nelson Huxham
IPC分类号： G06Q20/40 , G06Q20/38
CPC分类号： G06Q20/401 , G06Q20/3821 , G06Q20/385 , G06Q2220/00
摘要： A method and system for generating payment credentials are provided. A remotely accessible server receives a request for payment credentials for use in conducting a financial transaction, the request originating from a requesting entity and associated with a transaction amount. The remotely accessible server obtains a raw account identifier, pads the raw account identifier with the transaction amount, and performs a predefined calculation on the raw account identifier padded with the transaction amount to yield at least one check digit. The at least one check digit is incorporated into the raw account identifier to yield a processed account identifier for onward transmission to the requesting entity and for use in conducting the financial transaction.
摘要翻译：提供了用于生成支付凭证的方法和系统。远程可访问的服务器接收用于执行金融交易的支付凭证的请求，该请求源自请求实体并与交易量相关联。可远程访问的服务器获得原始帐户标识符，用交易金额填充原始账户标识符，并对填写有交易金额的原始账户标识符执行预定义的计算，以产生至少一个支票数字。至少一个校验位被并入到原始帐户标识符中，以产生经处理的帐户标识符，用于向请求实体向前传输并用于进行金融交易。

5. 发明申请

US20150302390A1 A TOKEN GENERATING COMPONENT 审中-公开
标题翻译：东方发电组件
公开(公告)号：US20150302390A1
公开(公告)日：2015-10-22
申请号：US14648510
申请日：2013-12-06
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： Horatio Nelson Huxham , Alan Joseph O'Regan , Hough Arie Van Wyk , Tara Anne Moss
IPC分类号： G06Q20/32 , H04L29/06 , H04W12/06 , G06F21/35 , G06Q20/38
CPC分类号： G06Q20/3229 , G06F21/35 , G06F2221/2137 , G06Q20/327 , G06Q20/382 , H04L63/067 , H04L63/068 , H04W12/06
摘要： The invention provides a method and system for providing financial details from a mobile device of a user for use in a transaction. The method is performed on a mobile device of the user and includes the steps of generating, on a token generating component, a session-specific token by applying an algorithm requiring a dynamic key; providing financial details for use in a transaction; incorporating the session-specific token and the financial details into a modified form the financial details; and transferring the modified form of the financial details from the mobile device to initiate the transaction. A corresponding method and system for validating financial details received, at a server of an issuing authority, is also provided.
摘要翻译：本发明提供一种用于从用户的移动设备提供用于交易的财务细节的方法和系统。该方法在用户的移动设备上执行，并且包括以下步骤：通过应用需要动态密钥的算法，在令牌生成组件上生成会话特定令牌; 提供用于交易的财务细节; 将会话特定令牌和财务细节纳入修改后的财务细节; 以及从所述移动设备转移所述经修改的所述财务细节的形式以启动所述交易。还提供了用于验证在发行机构的服务器处接收到的财务细节的相应方法和系统。

6. 发明授权

US11176536B2 Token generating component 有权
公开(公告)号：US11176536B2
公开(公告)日：2021-11-16
申请号：US16379334
申请日：2019-04-09
申请人： Visa International Service Association
发明人： Horatio Nelson Huxham , Alan Joseph O'Regan , Hough Arie Van Wyk , Tara Anne Moss
IPC分类号： G06Q20/32 , H04L29/06 , G06F21/35 , G06Q20/38 , H04W12/40 , H04W12/06
摘要： The invention provides a method and system for providing financial details from a mobile device of a user for use in a transaction. The method is performed on a mobile device of the user and includes the steps of generating, on a token generating component, a session-specific token by applying an algorithm requiring a dynamic key; providing financial details for use in a transaction; incorporating the session-specific token and the financial details into a modified form the financial details; and transferring the modified form of the financial details from the mobile device to initiate the transaction. A corresponding method and system for validating financial details received, at a server of an issuing authority, is also provided.

7. 发明授权

US10198728B2 Methods and systems for provisioning payment credentials 有权
公开(公告)号：US10198728B2
公开(公告)日：2019-02-05
申请号：US14889714
申请日：2014-05-15
申请人： Visa International Service Association
发明人： Horatio Nelson Huxham , Alan Joseph O'Regan , Tara Anne Moss , Hough Arie Van Wyk , John Foxe Sheets
IPC分类号： G06Q20/00 , G06Q20/38 , G07F19/00 , G06Q20/32 , G06Q20/36 , G06Q20/18 , G06Q20/40
摘要： A method and system for provisioning payment credentials usable by a mobile device in conducting a payment. The method is conducted at a provisioning system and comprises the steps of: receiving payment credentials from a receiving device, the payment credentials having been obtained from a portable payment device presented by a consumer at the receiving device; receiving, from the receiving device, an identifier entered by the consumer; identifying a mobile device or a secure element corresponding to the identifier; and communicating the payment credentials or a derivation of the payment credentials to the identified mobile device or the secure element to be securely stored in association with the mobile device. The method may include: encrypting the received payment credentials, the encrypted payment credentials having a unique decryption key; and wherein communicating a derivation of the payment credentials communicates the unique decryption key.

8. 发明授权

US09928513B2 Dynamic object tag and systems and methods relating thereto 有权
公开(公告)号：US09928513B2
公开(公告)日：2018-03-27
申请号：US14428310
申请日：2013-09-20
申请人： Visa International Service Association
发明人： Horatio Nelson Huxham , Alan Joseph O'Regan , Ian Phillip Bester , Tara Anne Moss
IPC分类号： G06Q30/00 , G06K19/07 , G06K19/073 , G07G3/00 , G06Q30/02 , G06F21/10 , G06F21/72 , G06F21/73 , H04L29/06 , H04W12/06
CPC分类号： G06Q30/0185 , G06F21/10 , G06F21/72 , G06F21/73 , G06F2221/2111 , G06K19/0709 , G06K19/073 , G06Q30/0225 , G06Q30/0269 , G06Q2220/16 , G07G3/003 , H04L63/0492 , H04L63/08 , H04L63/0838 , H04W12/06
摘要： A dynamic object tag for a product and systems and methods relating thereto is disclosed. The dynamic object tag comprises a hardware security module, including an electronic storage module, and a communication module for communicating with an interrogation device. The hardware security module is adapted to establish a secure communication channel with the interrogation device, to exchange dynamic authentication parameters with the interrogation device, and to communicate product information stored on the electronic storage module to the interrogation device over the secure communication channel.

9. 发明申请

US20160135048A1 SYSTEMS AND METHODS FOR VERIFICATION CONDUCTED AT A SECURE ELEMENT 有权
标题翻译：用于在安全元件上导出的验证的系统和方法
公开(公告)号：US20160135048A1
公开(公告)日：2016-05-12
申请号：US14894712
申请日：2014-05-29
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： Horatio Nelson Huxham , Alan JOSEPH O'Regan , Tara Anne Moss , Hough Arie Van Wyk
IPC分类号： H04W12/06 , H04L29/06 , G06F12/14 , H04W76/02
CPC分类号： H04W12/06 , G06F12/1408 , G06F2212/1052 , G06Q20/3229 , H04L63/0442 , H04L63/0853 , H04W76/11 , H04W88/02
摘要： Systems and methods for verification conducted at a secure element are disclosed. In a method of verification conducted at a secure element interacting with a mobile device, the secure element receives at least one of an identifier of a universal integrated circuit card (UICC) and an identifier of the mobile device. The secure element then compares each of the received at least one identifiers against a registered identifier of corresponding form stored in a non-volatile memory of the secure element. If the received at least one identifiers match corresponding registered identifiers stored in the non-volatile memory, the secure element permits further interaction with the mobile device. If at least one of the received identifiers do not match corresponding registered identifiers stored in the non-volatile memory, the secure element denies further interaction with the mobile device.
摘要翻译：公开了一种用于在安全元件上进行验证的系统和方法。在与移动设备交互的安全元件进行验证的方法中，安全元件接收通用集成电路卡（UICC）的标识符和移动设备的标识符中的至少一个。然后，安全元件将所接收的至少一个标识符中的每一个与存储在安全元件的非易失性存储器中的对应形式的注册标识符进行比较。如果接收到的至少一个标识符与存储在非易失性存储器中的相应的登记标识符匹配，则安全元件允许与移动设备的进一步交互。如果接收到的标识符中的至少一个与存储在非易失性存储器中的相应的已登记标识符不匹配，则安全元件拒绝进一步与移动设备的交互。

10. 发明申请

US20160132878A1 Payment Card Including User Interface for Use with Payment Card Acceptance Terminal 审中-公开
标题翻译：支付卡包括用于支付卡验收码头的用户界面
公开(公告)号：US20160132878A1
公开(公告)日：2016-05-12
申请号：US14898859
申请日：2014-06-30
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： Alan Joseph O'Regan , Horatio Nelson Huxham , Tara Anne Moss , Hough Arie Van Wyk
IPC分类号： G06Q20/40 , G06Q20/34
CPC分类号： G06Q20/401 , G06Q20/32 , G06Q20/34 , G06Q20/3415 , G06Q20/352 , G06Q20/353 , G06Q2220/00 , G07F7/0833 , G07F7/0853
摘要： A payment card, for use with a payment card acceptance terminal, and related systems and methods are disclosed. The payment card includes an acceptance terminal interface component for interfacing with a payment card acceptance terminal and a user input receiving component for receiving an input by a user directly. The payment card also includes an integrated circuit which is in communication with the acceptance terminal interface and the user input receiving component and is configured to provide payment credentials to the payment card acceptance terminal on receipt of an input at the user input receiving component.
摘要翻译：公开了与支付卡接收终端一起使用的支付卡，以及相关的系统和方法。支付卡包括用于与支付卡接受终端进行接口的接收终端接口部件和用户直接接收用户输入的用户输入接收部件。支付卡还包括与接受终端接口和用户输入接收部件通信的集成电路，并且被配置为在接收到用户输入接收部件的输入时向支付卡接收终端提供支付凭证。

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