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公开(公告)号：US20100057619A1
公开(公告)日：2010-03-04
申请号：US12419115
申请日：2009-04-06
申请人： Kevin D. Weller , Stephen W. Ryan , Peter R. Hill , Thomas J. Manessis , Tony D. Lewis , Benedicto H. Dominguez , Peter Bray , James Donald Reno , Liane Redford , Philipe Levy , Trudy Hill
发明人： Kevin D. Weller , Stephen W. Ryan , Peter R. Hill , Thomas J. Manessis , Tony D. Lewis , Benedicto H. Dominguez , Peter Bray , James Donald Reno , Liane Redford , Philipe Levy , Trudy Hill
CPC分类号： G06Q20/4014 , G06Q20/02 , G06Q20/027 , G06Q20/04 , G06Q20/0855 , G06Q20/12 , G06Q20/341 , G06Q20/355 , G06Q20/367 , G06Q20/3674 , G06Q20/382 , G06Q20/3829 , G06Q20/40 , G06Q20/4012 , G07F7/1008 , G07F7/1016
摘要： A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for 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, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.
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。 本发明的认证服务允许卡发行者使用诸如使用密码的各种认证方法来验证持卡人的身份。 此外，唯一需要证书的系统参与者是发行金融机构。 用于在在线交易期间认证持卡人的身份的本发明的一个实施例涉及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，验证密码并通知商家 持卡人的真实性是否已被验证。 在本发明的另一方面，芯片卡和认证服务独立地生成必须匹配的密码，以使服务能够验证持卡人正在使用正确的芯片卡。
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公开(公告)号：US09864993B2
公开(公告)日：2018-01-09
申请号：US12419115
申请日：2009-04-06
申请人： Kevin D. Weller , Stephen W. Ryan , Peter R. Hill , Thomas J. Manessis , Tony D. Lewis , Benedicto H. Dominguez , Peter Bray , James Donald Reno , Liane Redford , Philippe Levy , Trudy Hill
发明人： Kevin D. Weller , Stephen W. Ryan , Peter R. Hill , Thomas J. Manessis , Tony D. Lewis , Benedicto H. Dominguez , Peter Bray , James Donald Reno , Liane Redford , Philippe Levy , Trudy Hill
IPC分类号： G06Q20/00 , G06Q20/40 , G06Q20/02 , G06Q20/04 , G06Q20/08 , G06Q20/12 , G06Q20/34 , G06Q20/36 , G06Q20/38 , G07F7/10
CPC分类号： G06Q20/4014 , G06Q20/02 , G06Q20/027 , G06Q20/04 , G06Q20/0855 , G06Q20/12 , G06Q20/341 , G06Q20/355 , G06Q20/367 , G06Q20/3674 , G06Q20/382 , G06Q20/3829 , G06Q20/40 , G06Q20/4012 , G07F7/1008 , G07F7/1016
摘要： A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for 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, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.
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公开(公告)号：US07991701B2
公开(公告)日：2011-08-02
申请号：US12873869
申请日：2010-09-01
申请人： Kevin D. Weller , Stephen W. Ryan , Peter R. Hill , Thomas J. Manessis , Tony D. Lewis , Benedicto H. Dominguez , Peter Bray , James Donald Reno
发明人： Kevin D. Weller , Stephen W. Ryan , Peter R. Hill , Thomas J. Manessis , Tony D. Lewis , Benedicto H. Dominguez , Peter Bray , James Donald Reno
IPC分类号： G06Q99/00
CPC分类号： G06Q20/4014 , G06Q20/02 , G06Q20/027 , G06Q20/04 , G06Q20/0855 , G06Q20/12 , G06Q20/341 , G06Q20/355 , G06Q20/367 , G06Q20/3674 , G06Q20/382 , G06Q20/3829 , G06Q20/40 , G06Q20/4012 , G07F7/1008 , G07F7/1016
摘要： A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for 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, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.
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。 本发明的认证服务允许卡发行者使用诸如使用密码的各种认证方法来验证持卡人的身份。 此外，唯一需要证书的系统参与者是发行金融机构。 用于在在线交易期间认证持卡人的身份的本发明的一个实施例涉及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，验证密码并通知商家 持卡人的真实性是否已被验证。 在本发明的另一方面，芯片卡和认证服务独立地生成必须匹配的密码，以使服务能够验证持卡人正在使用正确的芯片卡。
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公开(公告)号：US20180075452A1
公开(公告)日：2018-03-15
申请号：US15818301
申请日：2017-11-20
申请人： Kevin D. Weller , Stephen W. Ryan , Peter R. Hill , Thomas J. Manessis , Tony D. Lewis , Benedicto H. Dominguez , Peter Bray , James Donald Reno , Liane Redford , Philippe Levy , Trudy Hill
发明人： Kevin D. Weller , Stephen W. Ryan , Peter R. Hill , Thomas J. Manessis , Tony D. Lewis , Benedicto H. Dominguez , Peter Bray , James Donald Reno , Liane Redford , Philippe Levy , Trudy Hill
IPC分类号： G06Q20/40 , G07F7/10 , G06Q20/02 , G06Q20/38 , G06Q20/36 , G06Q20/34 , G06Q20/12 , G06Q20/08 , G06Q20/04
CPC分类号： G06Q20/4014 , G06Q20/02 , G06Q20/027 , G06Q20/04 , G06Q20/0855 , G06Q20/12 , G06Q20/341 , G06Q20/355 , G06Q20/367 , G06Q20/3674 , G06Q20/382 , G06Q20/3829 , G06Q20/40 , G06Q20/4012 , G07F7/1008 , G07F7/1016
摘要： A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for 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, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.
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公开(公告)号：US20100332393A1
公开(公告)日：2010-12-30
申请号：US12873869
申请日：2010-09-01
申请人： Kevin D. Weller , Stephen W. Ryan , Peter R. Hill , Thomas J. Manessis , Tony D. Lewis , Benedicto H. Dominguez , Peter Bray , James Donald Reno
发明人： Kevin D. Weller , Stephen W. Ryan , Peter R. Hill , Thomas J. Manessis , Tony D. Lewis , Benedicto H. Dominguez , Peter Bray , James Donald Reno
IPC分类号： G06Q40/00
CPC分类号： G06Q20/4014 , G06Q20/02 , G06Q20/027 , G06Q20/04 , G06Q20/0855 , G06Q20/12 , G06Q20/341 , G06Q20/355 , G06Q20/367 , G06Q20/3674 , G06Q20/382 , G06Q20/3829 , G06Q20/40 , G06Q20/4012 , G07F7/1008 , G07F7/1016
摘要： A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for 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, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.
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。 本发明的认证服务允许卡发行者使用诸如使用密码的各种认证方法来验证持卡人的身份。 此外，唯一需要证书的系统参与者是发行金融机构。 用于在在线交易期间认证持卡人的身份的本发明的一个实施例涉及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，验证密码并通知商家 持卡人的真实性是否已被验证。 在本发明的另一方面，芯片卡和认证服务独立地生成必须匹配的密码，以使服务能够验证持卡人正在使用正确的芯片卡。
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公开(公告)号：US07827115B2
公开(公告)日：2010-11-02
申请号：US09842313
申请日：2001-04-24
申请人： Kevin D. Weller , Stephen W. Ryan , Peter R. Hill , Thomas J. Manessis , Tony D. Lewis , Benedicto H. Dominguez , Peter Bray , James Donald Reno
发明人： Kevin D. Weller , Stephen W. Ryan , Peter R. Hill , Thomas J. Manessis , Tony D. Lewis , Benedicto H. Dominguez , Peter Bray , James Donald Reno
IPC分类号： G06Q99/00
CPC分类号： G06Q20/4014 , G06Q20/02 , G06Q20/027 , G06Q20/04 , G06Q20/0855 , G06Q20/12 , G06Q20/341 , G06Q20/355 , G06Q20/367 , G06Q20/3674 , G06Q20/382 , G06Q20/3829 , G06Q20/40 , G06Q20/4012 , G07F7/1008 , G07F7/1016
摘要： A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for 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, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.
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。 本发明的认证服务允许卡发行者使用诸如使用密码的各种认证方法来验证持卡人的身份。 此外，唯一需要证书的系统参与者是发行金融机构。 用于在在线交易期间认证持卡人的身份的本发明的一个实施例涉及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，验证密码并通知商家 持卡人的真实性是否已被验证。 在本发明的另一方面，芯片卡和认证服务独立地生成必须匹配的密码，以使服务能够验证持卡人正在使用正确的芯片卡。
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公开(公告)号：US08271395B2
公开(公告)日：2012-09-18
申请号：US10156271
申请日：2002-05-24
CPC分类号： G06Q20/4014 , G06Q20/02 , G06Q20/027 , G06Q20/04 , G06Q20/0855 , G06Q20/12 , G06Q20/341 , G06Q20/355 , G06Q20/367 , G06Q20/3674 , G06Q20/382 , G06Q20/3829 , G06Q20/40 , G06Q20/4012 , G07F7/1008 , G07F7/1016
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 the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. 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. A chip card and the authentication service independently generate cryptograms to match in order for the service to verify that the correct chip card is being used by the cardholder.
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。 身份验证服务允许卡发行商使用各种身份验证方法来验证持卡人的身份，例如使用密码。 此外，唯一需要证书的系统参与者是发行金融机构。 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。 芯片卡和认证服务独立地生成密码以匹配，以便服务验证持卡人正在使用正确的芯片卡。
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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
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。
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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。
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公开(公告)号：US10572875B2
公开(公告)日：2020-02-25
申请号：US13467731
申请日：2012-05-09
IPC分类号： G06Q20/02 , G06Q20/40 , G06Q20/04 , G06Q20/08 , G06Q20/12 , G06Q20/34 , G06Q20/36 , G06Q20/38 , G07F7/10
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 the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. 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. A chip card and the authentication service independently generate cryptograms to match in order for the service to verify that the correct chip card is being used by the cardholder.
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