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29 条记录 (耗时 0.026 秒)

    Terminal data encryption
    3.
    发明授权
    Terminal data encryption 有权

    公开(公告)号：US11055704B2

    公开(公告)日：2021-07-06

    申请号：US16154064

    申请日：2018-10-08

    申请人： VISA U.S.A. INC.

    发明人： Ayman Hammad ,  Patrick Faith

    IPC分类号： G06Q20/38 ,  G06Q20/08 ,  G06Q20/20 ,  G06Q20/36 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q20/10

    摘要： A method is disclosed. The method includes generating an initial key after interacting with an access device, storing the initial key at a key storage location, altering the initial key with a public key to form an altered key, and sending the altered key to a server computer along with an identifier for the access device. The altered key is changed to the initial key at the server computer and is stored with the identifier in a database in operative communication with the server computer. The initial keys that are stored at the key storage location and in the database are used to alter and restore transaction data associated with multiple financial transactions that are conducted using the access device.

    SYSTEM AND METHOD FOR SECURED ACCOUNT NUMBERS IN PROXIMITY DEVICES
    4.
    发明申请
    SYSTEM AND METHOD FOR SECURED ACCOUNT NUMBERS IN PROXIMITY DEVICES 有权

    公开(公告)号：US20210133733A1

    公开(公告)日：2021-05-06

    申请号：US17145919

    申请日：2021-01-11

    申请人： Visa U.S.A. Inc.

    发明人： Patrick Gauthier ,  Brian Maw ,  Patrick Faith ,  Barbara Patterson

    IPC分类号： G06Q20/38 ,  G06Q20/24 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q40/02 ,  G06Q20/20 ,  G06Q20/34

    摘要： A technique for improving the security of a portable consumer device may include storing a first account identifier and a second account identifier associated with the first account identifier, the second account identifier and the first account identifier being associated with the same account on the portable consumer device. When the portable consumer device is interacting with a reader device to conduct a transaction, the portable consumer device may determine whether the transaction is a proximity transaction by sensing whether a wireless interrogation signal is being transmitted from the reader device, and determine which of the first account identifier and the second account identifier to provide to the reader device based on whether the transaction is a proximity transaction.

    ADAPTIVE AUTHENTICATION OPTIONS
    5.
    发明申请
    ADAPTIVE AUTHENTICATION OPTIONS 审中-公开

    公开(公告)号：US20190287104A1

    公开(公告)日：2019-09-19

    申请号：US16429813

    申请日：2019-06-03

    申请人： Visa U.S.A. Inc.

    发明人： Kim Steele ,  Mike Yakel ,  Kevin Weller ,  Patrick Faith ,  Lori D. Van deloo

    IPC分类号： G06Q20/40 ,  G07F7/10 ,  G06Q40/00 ,  G06Q20/34 ,  G06Q30/06

    摘要： A method for authenticating a consumer for a portable consumer device is disclosed. One embodiment of the invention includes receiving a transaction message relating to a request by a consumer to conduct a transaction using a portable consumer device, wherein the consumer was previously enrolled in an authentication program and the consumer was previously authenticated, analyzing the transaction message to determine if a re-authentication event has taken place, causing a re-authentication message to be sent to the consumer before initiating an authorization request message to the issuer if the re-authentication event has taken place, and initiating the authorization request message to the issuer without sending the re-authentication message to the consumer if the re-authentication event has not taken place.

    SEEDING CHALLENGES FOR PAYMENT TRANSACTIONS
    8.
    发明申请
    SEEDING CHALLENGES FOR PAYMENT TRANSACTIONS 审中-公开
    支付交易的挑战

    公开(公告)号：US20130198077A1

    公开(公告)日：2013-08-01

    申请号：US13744151

    申请日：2013-01-17

    申请人： VISA U.S.A. INC.

    发明人： Mark Carlson ,  Patrick Faith

    IPC分类号： G06Q20/38

    CPC分类号： G06Q20/382 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q20/403 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/12

    摘要： Systems, methods, and apparatus are provided for authenticating a consumer using challenge questions. A response to a challenge question is verified via seeding the challenge question, receiving response, and deductively determining the answer. The verified response and challenge question may then be used to authenticate a consumer as part of an authorization process.

    摘要翻译： 提供了系统，方法和装置，用于使用挑战问题来认证消费者。 通过播种挑战问题，接收响应和演绎确定答案来验证对挑战问题的回应。 验证的响应和挑战问题可以被用于认证消费者作为授权过程的一部分。