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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: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: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: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: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:US20080301056A1
公开(公告)日:2008-12-04
申请号:US12034606
申请日:2008-02-20
申请人: Kevin D. Weller , Stephen W. Ryan , Peter R. Hill , Thomas J. Manessis , Tony D. Lewis , Benedicto H. Dominguez , Peter Bray
发明人: Kevin D. Weller , Stephen W. Ryan , Peter R. Hill , Thomas J. Manessis , Tony D. Lewis , Benedicto H. Dominguez , Peter Bray
IPC分类号: H04L9/32
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:US20160358175A1
公开(公告)日:2016-12-08
申请号:US15216516
申请日:2016-07-21
申请人: Kevin D. Weller , Stephen W. Ryan , Peter R. Hill , Thomas Manessis , Tony D. Lewis , Benedicto H. Dominguez , Peter Bray , James Reno
发明人: Kevin D. Weller , Stephen W. Ryan , Peter R. Hill , Thomas Manessis , Tony D. Lewis , Benedicto H. Dominguez , Peter Bray , James Reno
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:US4884447A
公开(公告)日:1989-12-05
申请号:US202320
申请日:1988-06-06
申请人: David T. Kemp , Peter Bray
发明人: David T. Kemp , Peter Bray
CPC分类号: A61B5/12
摘要: Hearing faculty test apparatus, for use in relation to the inner ear by way of the so-called cochlear echo, repeatedly applied a linearly balanced set of acoustic stimuli to the ear, individually sums each related set of responses to the stimuli set, interrogates each sum to detect components above a predetermined threshold, and averages sums on a selective basis depend on the interrogation. Preferably sums are passed for averaging only when whooly within the threshold. Also, averaging is preferably by use of two like averagers to which accepted sums are applied in alternating manner, with the two averages being fed to a correlator.
摘要翻译: 用于通过所谓的耳蜗回声用于内耳的听力教师测试装置重复地将一组线性平衡的声学刺激组合到耳朵上,将每个相关的一组响应单独地加到刺激组上,询问每个 总和以检测高于预定阈值的分量,并且在选择的基础上平均和取决于询问。 优选地,只有当阈值内的人为多少时,才通过求和求和。 此外,平均优选地通过使用两个相似的平均器,其中以交替方式施加接受的和,其中两个平均值被馈送到相关器。
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