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11.发明申请DEVICE INCLUDING ENCRYPTED DATA FOR EXPIRATION DATE AND VERIFICATION VALUE CREATION 审中-公开包括加密日期和加密数据创建的设备公开(公告)号：US20100299267A1
公开(公告)日：2010-11-25
申请号：US12778638
申请日：2010-05-12
CPC分类号： G06Q20/10 , G06Q20/3821 , G06Q20/383 , G06Q20/385 , G06Q40/02 , H04L9/32 , H04L2209/56 , H04L2209/805
摘要： In order to make it more difficult to obtain numbers that can be used to conduct fraudulent transactions, a portion of a real account number is encrypted. The encrypted portion of the account number is used to generate a new account number, a new expiration date, and a new verification value. This information can be determined using processor that may reside in a point of sale terminal, a smart card, or a computer operated by a user. The new account number, the new expiration date, and the new verification value can be used in a payment transaction. A server computer in a central payment processing network may determine that the new account information is not the real account information, and may subsequently generate a modified authorization request message using the real account information and may send it to an issuer for approval. The transmission of data is more secure, since real account information is not sent from the merchant to the payment processing network.
摘要翻译： 为了使得难以获得可用于进行欺诈交易的数字，实际帐号的一部分被加密。 帐号的加密部分用于生成新帐号，新的到期日期和新的验证值。 可以使用可能位于销售点终端，智能卡或用户操作的计算机的处理器来确定该信息。 新的帐号，新的到期日期和新的验证值可以用于支付交易。 中央支付处理网络中的服务器计算机可以确定新帐户信息不是真实账户信息，并且随后可以使用真实账户信息生成修改的授权请求消息，并且可以将其发送给发行商以供批准。 数据的传输更加安全，因为实际的帐户信息没有从商家发送到支付处理网络。
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公开(公告)号：US20130339249A1
公开(公告)日：2013-12-19
申请号：US13964992
申请日：2013-08-12
IPC分类号： G06Q20/40
CPC分类号： G06Q20/4016 , G06F21/31 , G06F2221/2103 , G06Q20/12 , G06Q20/40 , G06Q20/405 , G06Q30/06 , G06Q50/265 , H04L9/3213 , H04L9/3226 , H04L9/3273
摘要： Embodiments of the invention enable cardholders conducting an online transaction to be authenticated in real-time using a challenge-response application. The challenge-response application can be administered by an issuer or by a third party on-behalf-of an issuer. A challenge question can be presented to the cardholder, and the cardholder's response can be verified. The challenge question presented can be selected based on an analysis of the risk of the transaction and potentially other factors. A variety of dynamic challenge questions can be used without the need for the cardholder to enroll into the program. Additionally, there are many flexible implementation options of the challenge-response application that can be adjusted based on factors such as the location of the merchant or the location of the consumer.
摘要翻译： 本发明的实施例使得能够使用挑战响应应用实时地进行在线交易的持卡人被认证。 挑战响应应用程序可由发行人或第三方代表发行人管理。 可以向持卡人提出一个挑战性问题，并且可以验证持卡人的回复。 所提出的挑战性问题可以根据对交易风险的分析和潜在的其他因素进行选择。 可以使用各种动态挑战性问题，而不需要持卡人注册该计划。 另外，可以基于诸如商家的位置或消费者的位置的因素来调整挑战应答应用的许多灵活的实现选项。
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公开(公告)号：US10140598B2
公开(公告)日：2018-11-27
申请号：US12778638
申请日：2010-05-12
摘要： In order to make it more difficult to obtain numbers that can be used to conduct fraudulent transactions, a portion of a real account number is encrypted. The encrypted portion of the account number is used to generate a new account number, a new expiration date, and a new verification value. This information can be determined using processor that may reside in a point of sale terminal, a smart card, or a computer operated by a user. The new account number, the new expiration date, and the new verification value can be used in a payment transaction. A server computer in a central payment processing network may determine that the new account information is not the real account information, and may subsequently generate a modified authorization request message using the real account information and may send it to an issuer for approval. The transmission of data is more secure, since real account information is not sent from the merchant to the payment processing network.
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公开(公告)号：US08533118B2
公开(公告)日：2013-09-10
申请号：US12613395
申请日：2009-11-05
IPC分类号： G06Q40/00
CPC分类号： G06Q20/4016 , G06F21/31 , G06F2221/2103 , G06Q20/12 , G06Q20/40 , G06Q20/405 , G06Q30/06 , G06Q50/265 , H04L9/3213 , H04L9/3226 , H04L9/3273
摘要： Embodiments of the invention enable cardholders conducting an online transaction to be authenticated in real-time using a challenge-response application. The challenge-response application can be administered by an issuer or by a third party on-behalf-of an issuer. A challenge question can be presented to the cardholder, and the cardholder's response can be verified. The challenge question presented can be selected based on an analysis of the risk of the transaction and potentially other factors. A variety of dynamic challenge questions can be used without the need for the cardholder to enroll into the program. Additionally, there are many flexible implementation options of the challenge-response application that can be adjusted based on factors such as the location of the merchant or the location of the consumer.
摘要翻译： 本发明的实施例使得能够使用挑战响应应用实时地进行在线交易的持卡人被认证。 挑战响应应用程序可由发行人或第三方代表发行人管理。 可以向持卡人提出一个挑战性问题，并且可以验证持卡人的回复。 所提出的挑战性问题可以根据对交易风险的分析和潜在的其他因素进行选择。 可以使用各种动态挑战性问题，而不需要持卡人注册该计划。 另外，可以基于诸如商家的位置或消费者的位置的因素来调整挑战应答应用的许多灵活的实现选项。
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公开(公告)号：US20100114776A1
公开(公告)日：2010-05-06
申请号：US12613395
申请日：2009-11-05
CPC分类号： G06Q20/4016 , G06F21/31 , G06F2221/2103 , G06Q20/12 , G06Q20/40 , G06Q20/405 , G06Q30/06 , G06Q50/265 , H04L9/3213 , H04L9/3226 , H04L9/3273
摘要： Embodiments of the invention enable cardholders conducting an online transaction to be authenticated in real-time using a challenge-response application. The challenge-response application can be administered by an issuer or by a third party on-behalf-of an issuer. A challenge question can be presented to the cardholder, and the cardholder's response can be verified. The challenge question presented can be selected based on an analysis of the risk of the transaction and potentially other factors. A variety of dynamic challenge questions can be used without the need for the cardholder to enroll into the program. Additionally, there are many flexible implementation options of the challenge-response application that can be adjusted based on factors such as the location of the merchant or the location of the consumer.
摘要翻译： 本发明的实施例使得能够使用挑战响应应用实时地进行在线交易的持卡人被认证。 挑战响应应用程序可由发行人或第三方代表发行人管理。 可以向持卡人提出一个挑战性问题，并且可以验证持卡人的回复。 所提出的挑战性问题可以根据对交易风险的分析和潜在的其他因素进行选择。 可以使用各种动态挑战性问题，而不需要持卡人注册该计划。 另外，可以基于诸如商家的位置或消费者的位置的因素来调整挑战应答应用的许多灵活的实现选项。
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公开(公告)号：US20180033003A1
公开(公告)日：2018-02-01
申请号：US15222767
申请日：2016-07-28
CPC分类号： G06Q20/385 , G06Q20/322 , G06Q20/38215
摘要： Described herein are systems and methods in which more secure methods are provided for a connected device to conduct transactions. In accordance with embodiments of the disclosure, a transaction code is generated and provided to the connected device. The transaction code may be stored in association with the information for the transaction such that when the transaction code is received at a transaction processing server, the transaction processing server is configured to generate an authorization request that includes the transaction information. The authorization request may then be routed to an authorization server associated with an account maintained by the transaction processing server.
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公开(公告)号：US10366389B2
公开(公告)日：2019-07-30
申请号：US15222767
申请日：2016-07-28
摘要： Described herein are systems and methods in which more secure methods are provided for a connected device to conduct transactions. In accordance with embodiments of the disclosure, a transaction code is generated and provided to the connected device. The transaction code may be stored in association with the information for the transaction such that when the transaction code is received at a transaction processing server, the transaction processing server is configured to generate an authorization request that includes the transaction information. The authorization request may then be routed to an authorization server associated with an account maintained by the transaction processing server.
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18.发明申请METHOD AND SYSTEM FOR PROVIDING RISK INFORMATION IN CONNECTION WITH TRANSACTION PROCESSING 审中-公开提供与交易处理相关的风险信息的方法和系统公开(公告)号：US20150227936A1
公开(公告)日：2015-08-13
申请号：US14691981
申请日：2015-04-21
申请人： Belva J. Bruesewitz , Nancy Hilgers , Patrick L. Faith , Kevin Paul Siegel , Xiaoli Li , Krishna Prasad Koganti , Craig O'Connell
发明人： Belva J. Bruesewitz , Nancy Hilgers , Patrick L. Faith , Kevin Paul Siegel , Xiaoli Li , Krishna Prasad Koganti , Craig O'Connell
IPC分类号： G06Q20/40
CPC分类号： G06Q20/4016 , G06Q20/04 , G06Q20/382 , G06Q20/40 , G06Q20/403 , G06Q20/409 , G06Q40/025 , G06Q40/08
摘要： A system for providing real-time risk mitigation for an authorization system. The system receives authorization requests from multiple merchants (or their respective acquirers) and processes such requests. Each processed request is then forwarded to its corresponding issuer for further authorization. Each processed request includes an authorization message. The authorization message can include a risk score, a number of reason codes, and a number of condition codes. The use of the risk score, reason codes and condition codes allows issuers to make better informed decisions with respect to providing authorizations.
摘要翻译： 一种为授权系统提供实时风险缓解的系统。 系统从多个商家（或其各自的收件人）接收授权请求并处理这些请求。 然后将每个被处理的请求转发给其对应的发行者以进一步授权。 每个被处理的请求都包含一个授权消息。 授权消息可以包括风险分数，原因代码的数量和条件代码的数量。 使用风险分数，原因代码和条件代码可以使发行人在提供授权方面做出更明智的决策。
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