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1. 发明申请

WO2008150999A1 BULK ACTIVATION OF PORTABLE CONSUMER PAYMENT DEVICES 审中-公开
标题翻译：便携式消费者付款设备的大规模活动
公开(公告)号：WO2008150999A1
公开(公告)日：2008-12-11
申请号：PCT/US2008/065291
申请日：2008-05-30
申请人： VISA U.S.A. INC. , BAUMGARTNER, David, Ross, IV , LARSEN, Keith, Robert
发明人： BAUMGARTNER, David, Ross, IV , LARSEN, Keith, Robert
IPC分类号： G06K17/00 , G06K19/00
CPC分类号： G07F17/42 , G06Q20/10 , G06Q20/12 , G06Q20/341 , G06Q20/354 , G06Q20/3552 , G06Q20/3558 , G06Q20/40 , G06Q30/0633
摘要： Consumer Payment Device (PCPD)s, such as gift cards, can be bulk activated and thereby be made ready to use in a commercial transaction. The bulk activation is provided through a web service giving a user experience that includes an online interactive user interface that receives an order for PCPDs and a request to activate all PCPDs in the order. The respective accounts of the PCPDs in the order are funded upon activation and a fee is assessed for the activations. Thereafter, each activated PCPD can be used in a transaction with a merchant who submits the transaction to an acquirer for processing by a transaction handler who requests an issuer of the account of the PCPD to obtain payment for the transaction from the account corresponding to the PCPD.
摘要翻译：消费者支付设备（PCPD）（如礼品卡）可以批量激活，从而可以在商业交易中使用。通过提供用户体验的web服务来提供批量激活，该用户体验包括接收PCPD的订单的在线交互式用户界面以及按顺序激活所有PCPD的请求。订单中的PCPDs的相应帐户在激活后资助，并对激活进行评估。此后，每个激活的PCPD可以用于向交易处理者提交交易的商家的交易中使用，该交易处理者请求PCPD的帐户的发行者从与PCPD相对应的帐户获得交易的支付。

2. 发明申请

WO2008132040A1 VERFAHREN ZUR INBENUTZUNGNAHME EINER CHIPKARTE 审中-公开
标题翻译：方法篡改的芯片卡
公开(公告)号：WO2008132040A1
公开(公告)日：2008-11-06
申请号：PCT/EP2008/054477
申请日：2008-04-14
申请人： BUNDESDRUCKEREI GMBH , WEISS, Niklas
发明人： WEISS, Niklas
IPC分类号： G07F7/08 , G07F7/10 , G06Q20/00 , G01N27/414 , G06K7/00
CPC分类号： G06K19/07354 , G06K19/0716 , G06K19/07726 , G06Q20/3558 , G06Q20/40145 , G07F7/08 , G07F7/10 , G07F7/1025 , G07F7/1083 , G07F7/125
摘要： Die Erfindung betrifft ein Verfahren zur Inbenutzungnahme einer Chipkarte (100), wobei die Chipkarte einen Erstbenutzungsstatus und einen Benutztstatus einnehmen kann, wobei ein Übergang von dem Erstbenutzungsstatus in den Benutztstatus irreversibel ist, und eine Freischaltung einer Chipkartenfunktion der Chipkarte nur in dem Benutztstatus möglich ist, mit folgenden Schritten: Eingabe von Identifizierungsdaten in die Chipkarte, Speicherung der Identifizierungsdaten in der Chipkarte, Eingabe eines Kommandos in die Chipkarte zur Auslösung eines Übergangs von dem Erstbenutzungsstatus in den Benutztstatus, wobei in der Chipkarte gespeicherten Identifizierungsdaten änderbar sind, wenn sich die Chipkarte in dem Erstbenutzungsstatus befindet.
摘要翻译：本发明涉及一种用于防篡改芯片卡（100）的方法，该智能卡可以占据Erstbenutzungsstatus及用途状态，其中，从所述Erstbenutzungsstatus一个过渡是在所使用的状态不可逆的，并且芯片卡的芯片卡功能的开路仅在所使用的状态是可能的，包括以下步骤：向智能卡的指令的输入，用于在使用状态触发从Erstbenutzungsstatus过渡输入识别数据到芯片卡，存储在芯片卡的标识数据，其中存储在所述IC卡的识别数据被改变时，芯片卡，其中 Erstbenutzungsstatus位置。

3. 发明申请

WO2006050073A3 CREDENTIAL PRODUCTION USING A SECURED CONSUMABLE SUPPLY 审中-公开
标题翻译：使用安全的消耗品供应的资质生产
公开(公告)号：WO2006050073A3
公开(公告)日：2007-12-27
申请号：PCT/US2005038900
申请日：2005-10-28
申请人： FARGO ELECTRONICS INC , FONTANELLA ALAN D , KLINEFELTER GARY M , UPIN JEFFREY D , EKERS JOHN E , PLATNER THOMAS C , NEHOWIG KELLY R , GOLDENSTEIN ANGELA MARIE
发明人： FONTANELLA ALAN D , KLINEFELTER GARY M , UPIN JEFFREY D , EKERS JOHN E , PLATNER THOMAS C , NEHOWIG KELLY R , GOLDENSTEIN ANGELA MARIE
IPC分类号： H04L29/12 , H04L29/08
CPC分类号： G07F7/1008 , G06Q20/3558 , G07F7/10 , G07F7/1083
摘要： A method and system for securely processing a credential substrate (224) using a credentials production system (200) and secured consumable supply (102). The consumable supply is selectively in one of a plurality of states including a production disabled state (552) and a production enabled state (554). The state of the consumable supply (102) is changed from the production disabled state (552) to the production enabled state (554). The state in the consumable supply (102) is verified as being in the production enabled state (554) prior to processing (316) the credential substrate (224) using the consumable supply (102).
摘要翻译：一种用于使用凭证生产系统（200）和固定的可消耗供应（102）来安全地处理凭证基板（224）的方法和系统。可消耗电源选择性地处于包括禁止生产状态（552）和生产启用状态（554）的多种状态之一。消耗品（102）的状态从禁止生产状态（552）变为生产使能状态（554）。在使用消耗品（102）处理（316）凭证基板（224）之前，消耗品（102）中的状态被验证为处于生产使能状态（554）。

4. 发明申请

WO2007095166A3 PRESENTATION INSTRUMENT WITH USER-CREATED PIN AND METHODS FOR ACTIVATING 审中-公开
标题翻译：演示文稿具有用户创建的PIN和用于激活的方法
公开(公告)号：WO2007095166A3
公开(公告)日：2007-12-13
申请号：PCT/US2007003669
申请日：2007-02-12
申请人： FIRST DATA CORP , MARTINEZ LARRY A
发明人： MARTINEZ LARRY A
IPC分类号： H04K1/00 , H04L9/00
CPC分类号： G06Q30/00 , G06Q20/3558 , G07F7/1008
摘要： In one embodiment, the invention provides a method for activating a presentation instrument using a computerized network. The method utilizes a presentation instrument package that comprises a presentation instrument that is coupled to a carrier. A package identifier on the presentation instrument package is read and transmitted to a host computer system to indicate that the presentation instrument has been purchased. After being purchased, the presentation instrument may be removed from the carrier. To activate the presentation instrument, an access code and a presentation instrument identifier obtained from the presentation instrument may be provided to the host computer system via an IVR unit. Also, the recipient may select a personal identifier to associate with the presentation instrument. The personal identifier may be transmitted to the host computer system for storage.
摘要翻译：在一个实施例中，本发明提供了一种使用计算机化网络来激活呈现工具的方法。该方法利用包括呈现器械的呈现器械包装，该呈现器械耦合到载体。读取仪器包装上的包装标识符被读取并传送到主计算机系统以指示已经购买了该提示仪器。购买后，演示文稿可能会从载体上移除。为了激活演示设备，从演示设备获得的访问码和演示设备标识符可以经由IVR单元提供给主计算机系统。而且，收件人可以选择个人标识符来与演示文书相关联。个人标识符可以被传输到主计算机系统进行存储。

5. 发明申请

WO2007087432A2 METHOD AND SYSTEM FOR PERSONALIZING SMART CARDS USING ASYMMETRIC KEY CRYPTOGRAPHY 审中-公开
标题翻译：使用不对称关键曲线来个性化智能卡的方法和系统
公开(公告)号：WO2007087432A2
公开(公告)日：2007-08-02
申请号：PCT/US2007/002165
申请日：2007-01-24
申请人： STEPNEXUS, INC. , JOHNSON, Alan, E.
发明人： JOHNSON, Alan, E.
IPC分类号： H04L9/00
CPC分类号： G06Q20/3552 , G06Q20/3558 , G07F7/1008 , H04L9/083 , H04L9/0877 , H04L9/14 , H04L9/3247 , H04L9/3263 , H04L2209/56 , H04L2209/805
摘要： Systems and methods are described that permit a smart card to be personalized in a secure manner using asymmetric cryptography. Systems and methods are described whereby personalization instructions can be directed to a selected application in the device, whereby the personalized instructions can be encrypted using a plurality of keys including device- related keys, provider-specific keys, and transport keys. In certain embodiments, the personalization instructions can be communicated with identifying information used to identify the personalization instructions by provider, device and target application on the device. In certain embodiments, the personalization instructions can be executed on the device, whereby the personalization instruction configures data related to a targeted application. In certain embodiments, the personalized device comprises a processor, and non- volatile storage configured to maintain the plurality of keys, applications and personalized application-related data.
摘要翻译：描述了允许使用非对称加密技术以安全方式个性化智能卡的系统和方法。描述了系统和方法，其中个性化指令可以被引导到设备中的选定的应用，由此个性化指令可以使用包括与设备相关的密钥，提供商专用密钥和传输密钥的多个密钥来加密。在某些实施例中，个性化指令可以与用于通过设备上的提供商，设备和目标应用来标识个性化指令的标识信息进行通信。在某些实施例中，可以在设备上执行个性化指令，由此个性化指令配置与目标应用相关的数据。在某些实施例中，个性化设备包括处理器和被配置为维护多个密钥，应用和个性化应用相关数据的非易失性存储器。

6. 发明申请

WO2004109657A2 SPEAKER RECOGNITION IN A MULTI-SPEAKER ENVIRONMENT AND COMPARISON OF SEVERAL VOICE PRINTS TO MANY 审中-公开
标题翻译：多扬声器环境中的扬声器识别和多种语音打印的比较
公开(公告)号：WO2004109657A2
公开(公告)日：2004-12-16
申请号：PCT/US2004/015252
申请日：2004-05-17
申请人： AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. , BROMAN, Vicki , MARSHALL, Vernon , BELLAMKONDA, Seshasayee , LEYVA, Marcel , HANSON, Cynthia
发明人： BROMAN, Vicki , MARSHALL, Vernon , BELLAMKONDA, Seshasayee , LEYVA, Marcel , HANSON, Cynthia
IPC分类号： G10L
CPC分类号： G06Q20/40 , G06Q20/341 , G06Q20/3558 , G06Q20/382 , G06Q20/40145 , G07F7/1008 , G10L17/00
摘要： One-to-many comparisons of callers' voice prints with known voice prints to identify any matches between them. When a customer communicates with a particular entity, such as a customer service center, the system makes a recording of the real-time call including both the customer's and agent's voices. The system segments the recording to extract at least a portion of the customer's voice to create a customer voice print, and it formats the segmented voice print for network transmission to a server. The server compares the customer's voice print with multiple known voice prints to determine any matches, meaning that the customer's voice print and one of the known voice prints are likely from the same person. The identification of any matches can be used for a variety of purposes, such as determining whether to authorize a transaction requested by the customer.
摘要翻译：一对多的呼叫者的声音打印与已知的声音打印进行比较，以识别它们之间的任何匹配。当客户与特定实体（例如客户服务中心）通信时，系统记录包括客户和代理人的声音的实时呼叫。该系统将记录分段以提取至少一部分客户的语音以创建客户语音打印，并且将用于网络传输的分段语音打印格式化为服务器。服务器将客户的语音打印与多个已知的语音打印进行比较，以确定任何匹配，这意味着客户的语音打印和已知语音打印之一可能来自同一人。任何匹配的识别可以用于各种目的，例如确定是否授权客户请求的交易。

7. 发明申请

WO0213444A3 TRUSTED AUTHENTICATION DIGITAL SIGNATURE (TADS) SYSTEM 审中-公开
标题翻译：信号认证数字签名（TADS）系统
公开(公告)号：WO0213444A3
公开(公告)日：2002-05-16
申请号：PCT/US0124563
申请日：2001-08-06
申请人： FIRST DATA CORP , WHEELER LYNN HENRY , WHEELER ANNE M
发明人： WHEELER LYNN HENRY , WHEELER ANNE M
IPC分类号： G06F12/14 , G06F19/00 , G06F21/00 , G06F21/20 , G06F21/24 , G06Q20/00 , G07F7/10 , G09C1/00 , H04L9/00 , H04L9/10 , H04L9/32 , H04L29/06
CPC分类号： H04L63/0428 , G06F21/32 , G06F2221/2113 , G06Q20/00 , G06Q20/02 , G06Q20/04 , G06Q20/0855 , G06Q20/12 , G06Q20/341 , G06Q20/3558 , G06Q20/3674 , G06Q20/3676 , G06Q20/382 , G06Q20/3821 , G06Q20/3823 , G06Q20/3825 , G06Q20/3829 , G06Q20/385 , G06Q20/388 , G06Q20/4014 , G06Q20/40145 , G06Q20/403 , G06Q20/40975 , G06Q50/188 , G07F7/0886 , G07F7/1008 , G07F7/1016 , H04L9/321 , H04L9/3247 , H04L63/0442 , H04L63/062 , H04L63/0823 , H04L63/083 , H04L63/12 , H04L2209/42 , H04L2209/56
摘要： Trusted entity authentication includes creating a public-private key pair (295) in a secure environment (240); storing the private key (295) within a device (240) during its manufacture in the secure environment (240); linking the public key (295) with other information in the secure environment; receiving input within the device comprising verification data (250) of an entity; identifying within the device a verification status based on the verification data (250) and data prestored within the device (240); independent of the verification status identified (260), generating a digital signature (299) for a message including an indication of the identified verification status using the private key (295); outputting the digital signature for transmission with an EC (210); identifying upon receipt of the EC (210) the information linked with the public key (295) by authenticating the message with the public key (295); and considering the identified information and the indicated verification status (260). The linked information includes device security aspects and the verification status (260) regards entity authentication performed by the device.
摘要翻译：可信实体认证包括在安全环境（240）中创建公私私钥对（295）; 将私钥（295）在其制造期间在安全环境（240）中存储在设备（240）内; 将公共密钥（295）与安全环境中的其他信息相关联; 在所述设备内接收包括实体的验证数据（250）的输入; 在所述设备内识别基于所述验证数据（250）和所述设备（240）内预先存储的数据的验证状态; 独立于所识别的验证状态（260），为包括使用私钥（295）识别的验证状态的指示的消息生成数字签名（299）; 输出用EC传输的数字签名（210）; 在通过使用所述公共密钥（295）认证所述消息的情况下，识别所述EC（210）与所述公共密钥（295）相关联的信息; 并考虑所识别的信息和指示的验证状态（260）。所链接的信息包括设备安全性方面，验证状态（260）涉及由设备执行的实体认证。

8. 发明申请

WO02015037A1 SYSTEM AND METHOD FOR FACILITATING SIGNING BY BUYERS IN ELECTRONIC COMMERCE 审中-公开
标题翻译：促进电子商务买家签收的系统和方法
公开(公告)号：WO02015037A1
公开(公告)日：2002-02-21
申请号：PCT/US2001/025389
申请日：2001-08-14
IPC分类号： G06F21/00 , G06Q20/00 , G06Q40/00 , G07F7/10 , H04L29/06 , G06F17/00
CPC分类号： H04L63/0823 , G06F21/645 , G06F2221/2119 , G06Q20/00 , G06Q20/02 , G06Q20/04 , G06Q20/12 , G06Q20/341 , G06Q20/355 , G06Q20/3558 , G06Q20/3674 , G06Q20/382 , G06Q20/3823 , G06Q20/3825 , G06Q20/3829 , G06Q20/389 , G06Q40/08 , G07F7/1008 , H04L63/062 , H04L63/0853 , H04L63/126 , H04L2463/102
摘要： A signing interface is disclosed for facilitating digital signing of electronic messages by a buyer or other subscribing party in an e-commerce or other context. The signing interface provides a mechanism by which a seller(108)'s Web application may invoke a buyer(106)'s smartcard subsystem or other signing module to execute a digital signature. The signing interface preferably comprises a signing interface library and a signing plug-in resident on the buyer(106)'s computer. The signing interface library is preferably implemented as a Java package and associated libraries that are installed locally on the buyer's computer and made accessible to signed Java applets provided by the seller(108)'s Web server. The signing plug-in is preferably implemented as a plug-in, Active X control, or similar code that is installed locally on the buyer(106)'s Web browser using an embedded browser object on a seller(108)'s Web page. In a preferred embodiment, the signing interface may be adapted to facilitate access to system services such as a warranty service provided via a four-corner trust model.
摘要翻译：公开了一种用于在电子商务或其他上下文中由买方或其他订阅方促进电子消息的数字签名的签名界面。签名界面提供了卖方（108）的Web应用可以调用买方（106）的智能卡子系统或其他签名模块来执行数字签名的机制。签名界面优选地包括驻留在买方（106）的计算机上的签名接口库和签名插件。签名接口库优选地被实现为Java包和相关联的库，其被安装在买方的计算机本地并且由卖方（108）的Web服务器提供的签名的Java小应用程序可访问。签名插件优选地被实现为插件，Active X控件或类似的代码，其使用卖方（108）的网页上的嵌入式浏览器对象在买方（106）的Web浏览器上本地安装。在优选实施例中，签名界面可以适于便于访问诸如通过四角信任模型提供的保修服务的系统服务。

9. 发明申请

WO0213445A2 LINKING PUBLIC KEY OF DEVICE TO INFORMATION DURING MANUFACTURE 审中-公开
标题翻译：将公共关键的设备连接到制造过程中的信息
公开(公告)号：WO0213445A2
公开(公告)日：2002-02-14
申请号：PCT/US0124572
申请日：2001-08-06
申请人： FIRST DATA CORP , WHEELER LYNN HENRY , WHEELER ANNE M
发明人： WHEELER LYNN HENRY , WHEELER ANNE M
IPC分类号： G06F12/14 , G06F19/00 , G06F21/00 , G06F21/20 , G06F21/24 , G06Q20/00 , G07F7/10 , G09C1/00 , H04L9/00 , H04L9/10 , H04L9/32 , H04L29/06 , H04L
CPC分类号： H04L63/0428 , G06F21/32 , G06F2221/2113 , G06Q20/00 , G06Q20/02 , G06Q20/04 , G06Q20/0855 , G06Q20/12 , G06Q20/341 , G06Q20/3558 , G06Q20/3674 , G06Q20/3676 , G06Q20/382 , G06Q20/3821 , G06Q20/3823 , G06Q20/3825 , G06Q20/3829 , G06Q20/385 , G06Q20/388 , G06Q20/4014 , G06Q20/40145 , G06Q20/403 , G06Q20/40975 , G06Q50/188 , G07F7/0886 , G07F7/1008 , G07F7/1016 , H04L9/321 , H04L9/3247 , H04L63/0442 , H04L63/062 , H04L63/0823 , H04L63/083 , H04L63/12 , H04L2209/42 , H04L2209/56
摘要： A method in which information pertaining to a device (104) generating digital signatures (122) is reliably identified includes manufacturing (102) devices in a secure environment (114) and for each device (104) before it is released from the secure environment: creating a public-private key pair (116, 118); storing the private key (116) within the device (104) for utilization in generating a digital signature (122) for a message (122); and linking the public key (118) to a Security Profile (120) of the device (104). The devices (104) then are released from the secure environment (114) and a digital signature (122) is received from somewhere (108) in the world (106). The message (122) is authenticated using a suspect public key (124) and the suspect public key (124) is compared with the linked public keys (118). A Security Profile (120) of the genuine device (104) to which belongs the private key (116) used in generating the digital signature (122) is identified when the public key (124) matches a linked public key (118). A risk that the message (122) is fraudulently signed is determined.
摘要翻译：可靠地识别与生成数字签名（122）的设备（104）有关的信息的方法包括：在安全环境（114）中并且对于每个设备（104）在从安全环境释放之前制造（102）设备：创建公私密钥对（116,118）; 将所述专用密钥（116）存储在所述设备（104）内以用于生成消息（122）的数字签名（122）; 以及将所述公共密钥（118）链接到所述设备（104）的安全配置文件（120）。然后，设备（104）从安全环境（114）释放，并且从世界上的某处（108）接收数字签名（122）。使用可疑公钥（124）认证消息（122），并将可疑公钥（124）与链接的公钥（118）进行比较。当公钥（124）匹配链接的公共密钥（118）时，识别属于用于生成数字签名（122）的专用密钥（116）的正版设备（104）的安全性配置文件（120）。确定消息（122）被欺诈地签名的风险。

10. 发明申请

WO02013444A2 TRUSTED AUTHENTICATION DIGITAL SIGNATURE (TADS) SYSTEM 审中-公开
标题翻译：具有认证认证的数字签名系统
公开(公告)号：WO02013444A2
公开(公告)日：2002-02-14
申请号：PCT/US2001/024563
申请日：2001-08-06
IPC分类号： G06F12/14 , G06F19/00 , G06F21/00 , G06F21/20 , G06F21/24 , G06Q20/00 , G07F7/10 , G09C1/00 , H04L9/00 , H04L9/10 , H04L9/32 , H04L29/06 , H04L
CPC分类号： H04L63/0428 , G06F21/32 , G06F2221/2113 , G06Q20/00 , G06Q20/02 , G06Q20/04 , G06Q20/0855 , G06Q20/12 , G06Q20/341 , G06Q20/3558 , G06Q20/3674 , G06Q20/3676 , G06Q20/382 , G06Q20/3821 , G06Q20/3823 , G06Q20/3825 , G06Q20/3829 , G06Q20/385 , G06Q20/388 , G06Q20/4014 , G06Q20/40145 , G06Q20/403 , G06Q20/40975 , G06Q50/188 , G07F7/0886 , G07F7/1008 , G07F7/1016 , H04L9/321 , H04L9/3247 , H04L63/0442 , H04L63/062 , H04L63/0823 , H04L63/083 , H04L63/12 , H04L2209/42 , H04L2209/56
摘要： Trusted entity authentication includes creating a public-private key pair (295) in a secure environment (240); storing the private key (295) within a device (240) during its manufacture in the secure environment (240); linking the public key (295) with other information in the secure environment; receiving input within the device comprising verification data (250) of an entity; identifying within the device a verification status based on the verification data (250) and data prestored within the device (240); independent of the verification status identified (260), generating a digital signature (299) for a message including an indication of the identified verification status using the private key (295); outputting the digital signature for transmission with an EC (210); identifying upon receipt of the EC (210) the information linked with the public key (295) by authenticating the message with the public key (295); and considering the identified information and the indicated verification status (260). The linked information includes device security aspects and the verification status (260) regards entity authentication performed by the device.
摘要翻译：受信任的第三方认证过程包括以下步骤：在安全环境中创建私钥和公钥，将私钥在安全环境中创建时存储在设备中，以便在安全环境中，将公钥与其他信息连接，以接收设备中的条目，包括实体的验证数据，以根据数据在该设备中识别验证状态验证和先前存储在设备中的数据，以便借助私钥并且尽管识别出的验证状态产生用于包括要识别的验证状态的指示的消息的数字签名用于与电子通信一起传输的数字签名在接收到电子通信时识别通过使用公共密钥对消息进行认证，并且考虑所标识的信息和所指示的验证状态，来获得与公钥有关的信息。相关信息包括设备的安全方面，并且验证状态涉及由设备执行的对实体的认证。

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