Visa International Service Association

Visa International

Tony D Lewis

James Donald Reno

Benedicto Dominguez

Thomas Manessis

Kevin D Weller

Peter R Hill

Peter Bray

Stephen W Ryan

Liane Redford

Trudy Hill

Philippe Levy

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.

Account authentication service with chip card

Online payer authentication service

Improved key management is provided by a public key replacement apparatus and method for operating over insecure networks. An active public key and the mask of a replacement public key are provided by a key server to nodes where the active key is used to encrypt and verify messages. To replace the active public key with the replacement public key, a key replacement message is sent to the node. The key replacement message contains the replacement public key and contains the mask of the next replacement key. The mask of the replacement public key may be generated by hashing or encrypting. The key replacement message is signed by the active public key and the replacement public key. Nodes are implemented by a computer, a smart card, a stored data card in combination with a publicly accessible node machine, or other apparatus for sending and/or receiving messages. In a particular application, a financial transaction network, nodes are consumer nodes, merchant nodes, or both, and transactions are securely sent over a possible insecure network

Key replacement in a public key cryptosystem

Improved key management is provided by a public key replacement apparatus and method for operating over insecure networks. An active public key and the mask of a replacement public key are provided by a key server to nodes where the active key is used to encrypt and verify messages. To replace the active public key with the replacement public key, a key replacement message is sent to the node. The key replacement message contains the replacement public key and contains the mask of the next replacement key. The mask of the replacement public key may be generated by hashing or encrypting. The key replacement message is signed by the active public key and the replacement public key. Nodes are implemented by a computer, a smart card, a stored data card in combination with a publicly accessible node machine, or other apparatus for sending and/or receiving messages. In a particular application, a financial transaction network, nodes are consumer nodes, merchant nodes, or both, and transactions are securely sent over a possible insecure network.

Growing community of inventors

Castro Valley, CA, United States of America

Tony D Lewis