Patent application number | Description | Published |
20100165508 | MAGNETIC LAYERING FOR BIT-PATTERNED MEDIA - A perpendicular magnetic recording layer of a magnetic recording medium includes a plurality of bit-patterned magnetic islands, wherein each of the plurality of islands overlay a soft magnetic under-layer. Each of the magnetic islands includes a first magnetic sub-layer adjacent a second magnetic sub-layer, wherein the first sub-layer has a relatively high magnetic anisotropy that is greater than a magnetic anisotropy of the second sub-layer. The magnetic recording layer further includes a third sub-layer, which extends to connect each of the plurality of islands. The third sub-layer may have a magnetic anisotropy that is less than that of the second sub-layer of each of the magnetic islands and/or may serve as an interlayer, extending between the first sub-layer and the soft magnetic under-layer of the recording medium, and having a structure to help to produce the greater anisotropy first magnetic sub-layer. | 07-01-2010 |
20100221581 | PROCESS FOR FABRICATING PATTERNED MAGNETIC RECORDING MEDIA - A method of fabricating a patterned magnetic recording medium, comprises steps of: (a) providing a layer stack including an uppermost non-magnetic interlayer; (b) forming a resist layer on the interlayer; (c) forming a first pattern comprising a first group of recesses extending through the resist layer and exposing a first group of spaced apart surface portions of the interlayer; (d) filling the first group of recesses with a layer of a hard mask material; (e) selectively removing the resist layer to form a second pattern comprising a second group of recesses extending through the hard mask layer and exposing a second group of spaced apart surface portions of the interlayer; and (f) filling the second group of recesses with a layer of a magnetically hard material forming a magnetic recording layer. | 09-02-2010 |
20110044147 | WRITEALE OPTICAL RECORDING OF MULTI-LEVEL ORIENTED NANO-STRUCTURE DISCS - A method of performing writable optical recording of a medium to form multilevel oriented nano-structures therein, comprises steps of providing a disc-shaped, writable recording medium having a planar surface; and encoding data/information in the medium by forming a plurality of multilevel nano-structured pits in the surface by scanning with a focused spot of optical energy to form at least one data track therein, including scanning the optical spot in a cross-track direction while rotating the disc about a central axis. | 02-24-2011 |
20110268993 | SILICON/GOLD SEED STRUCTURE FOR CRYSTALLINE ALIGNMENT IN A FILM STACK - A silicon/gold (Si/Au) bilayer seed structure is located in a film stack between an amorphous or crystalline lower layer and an upper layer with a well-defined crystalline structure. The seed structure includes a Si layer on the generally flat surface of the lower layer and a Au layer on the Si layer. The Si/Au interface initiates the growth of the Au layer with a face-centered-cubic (fcc) crystalline structure with the (111) plane oriented in-plane. The upper layer grown on the Au layer has a fcc or hexagonal-close-packed (hcp) crystalline structure. If the upper layer is a fcc material its [111] direction is oriented substantially perpendicular to the (111) plane of the Au layer and if the upper layer is a hcp material, its c-axis is oriented substantially perpendicular to the (111) plane of the Au layer. | 11-03-2011 |
20120075747 | SYSTEM, METHOD AND APPARATUS FOR SHAPE-ENGINEERED ISLANDS OF EXCHANGE SPRING OR EXCHANGE COUPLED COMPOSITE, BIT PATTERNED MEDIA - A hard disk drive has a magnetic media disk comprising a substrate having an axis, and an exchange coupled, bit patterned media on the substrate arranged in a plurality of tracks. Each of the tracks has a pattern of islands extending in an axial direction from the disk. Each island comprises a first layer having a first anisotropy and a first layer radial width, and a second layer on the first layer and having a second anisotropy that is lower than the first anisotropy. The second layer radial width is less than the first layer radial width. | 03-29-2012 |
20120092790 | PATTERNED PERPENDICULAR MAGNETIC RECORDING DISK DRIVE AND MEDIUM WITH PATTERNED EXCHANGE BRIDGE LAYER BELOW THE DATA ISLANDS - A patterned perpendicular magnetic recording disk with discrete data islands of recording layer (RL) material includes a substrate, a patterned exchange bridge layer of magnetic material between the substrate and the islands, and an optional exchange-coupling control layer (CCL) between the exchange bridge layer and the islands. The exchange bridge layer has patterned pedestals below the islands. The exchange bridge layer controls exchange interactions between the RLs in adjacent islands to compensate the dipolar fields between islands, and the pedestals concentrate the flux from the write head. The disk may include a soft underlayer (SUL) of soft magnetically permeable material on the substrate and a nonmagnetic exchange break layer (EBL) on the SUL between the SUL and the exchange bridge layer. In a thermally-assisted recording (TAR) disk a heat sink layer may be located below the exchange bridge layer and the SUL may be optional. | 04-19-2012 |
20120147718 | PATTERNED PERPENDICULAR MAGNETIC RECORDING MEDIUM WITH EXCHANGE-COUPLED COMPOSITE RECORDING STRUCTURE OF A FePt LAYER AND A Co/X MULTILAYER - A bit-patterned media (BPM) magnetic recording disk has discrete data islands with an exchange-coupled composite (ECC) recording layer (RL) formed of a high-anisotropy chemically-ordered FePt alloy lower layer, a lower-anisotropy Co/X laminate or multilayer (ML) upper layer with perpendicular magnetic anisotropy, wherein X is Pt, Pd or Ni, and an optional nonmagnetic separation layer or coupling layer (CL) between the FePt layer and the ML. The FePt alloy layer is sputter deposited onto a seed layer structure, like a CrRu/Pt bilayer, while the disk substrate is maintained at an elevated temperature to assure the high anisotropy field H | 06-14-2012 |
20120236694 | PATTERNED PERPENDICULAR MAGNETIC RECORDING MEDIUM WITH ULTRATHIN OXIDE FILM AND REDUCED SWITCHING FIELD DISTRIBUTION - A patterned perpendicular magnetic recording disk has a Co-alloy recording layer patterned into discrete data islands arranged in concentric tracks and exhibits a narrow switching field distribution (SFD). The disk includes a substrate, a NiTa alloy planarizing layer on the substrate, a nonmagnetic Ru-containing underlayer on the planarizing layer, an oxide-free Co alloy magnetic recording layer, and an ultrathin oxide film between the Ru-containing layer and the Co-alloy magnetic recording layer. The oxide film may be an oxide selected from a Ta-oxide, a Co-oxide and a Ti-oxide, and is ultrathin so that it may be considered a discontinuous film. The planarizing layer and ultrathin oxide film improve the growth homogeneity of the Co-alloy recording layer, so that the patterned disk with data islands shows significantly reduced SFD. | 09-20-2012 |
20120315505 | PERPENDICULAR MAGNETIC RECORDING DISK WITH MULTIPLE MAGNETIC LAYERS AND INTERMEDIATE DUAL NUCLEATION FILMS FOR CONTROL OF GRAIN SIZE - A perpendicular magnetic recording disk has a graded-anisotropy recording layer (RL) formed of at least two ferromagnetically exchange coupled CoPtCr-oxide magnetic layers (MAG1 and MAG2) with two nucleation films (NF1 and NF2) between the magnetic layers. NF1 is a metal film, preferably Ru or a Ru-based alloy like RuCr, sputter deposited on MAG1 at low pressure to a thickness between about 0.1-1.5 nm. NF2 is a metal oxide film, preferably an oxide of Ta, sputter deposited on NF1 at high pressure to a thickness between about 0.2-1.0 nm. MAG2 is sputter deposited over NF2. NF1 and NF2 provide a significant reduction in average grain size in the RL from a graded-anisotropy RL without nucleation films between MAG1 and MAG2, while also assuring that MAG1 and MAG2 are strongly exchange coupled. | 12-13-2012 |
20130084387 | METHOD FOR MAKING A PATTERNED PERPENDICULAR MAGNETIC RECORDING DISK HAVING A FePt or CoPt CHEMICALLY ORDERED RECORDING LAYER - A method for making a bit-patterned-media (BPM) magnetic recording disk includes depositing a FePt (or CoPt) alloy recording layer, and then depositing a sealing layer on the FePt layer before high-temperature annealing. The high-temperature annealing causes the FePt to become substantially chemically-ordered in the L1 | 04-04-2013 |
20130114165 | FePt-C BASED MAGNETIC RECORDING MEDIA WITH ONION-LIKE CARBON PROTECTION LAYER - A magnetic media for magnetic data recording having a plurality of magnetic grains protected by thin layers of graphitic carbon. The layers of graphitic carbon are formed in a manner similar to onion skins on an onion and can be constructed as single monatomic layers of carbon. The thin layers of graphitic carbon can be formed as layers of graphene or as fullerenes that either cover or partially encapsulate the magnetic gains. The layers of graphitic carbon provide excellent protection against corrosion and wear and greatly reduce magnetic spacing for improved magnetic performance. | 05-09-2013 |
20130170075 | SYSTEM, METHOD AND APPARATUS FOR MAGNETIC MEDIA WITH A NON-CONTINUOUS METALLIC SEED LAYER - A magnetic media has a substrate with an underlayer and a seed layer on the underlayer. The seed layer has a non-continuous metallic layer with a cubed crystalline lattice that is 001 textured, and has a lattice mismatch within 15% of a crystalline lattice structure of FePt with a metallic additive. This structure defines nucleation sites with an established epitaxial interface. | 07-04-2013 |
20130270221 | METHOD FOR IMPROVING A PATTERNED PERPENDICULAR MAGNETIC RECORDING DISK WITH ANNEALING - A method for making a bit-patterned-media magnetic recording disk with discrete magnetic islands includes annealing the data islands after they have been formed by an etching process. A hard mask, such as a layer of silicon nitride or carbon, may be first formed on the recording layer and a patterned resist formed on the hard mask. The resist pattern is then transferred into the hard mask, which is used as the etch mask to etch the recording layer and form the discrete data islands. After the data islands are formed by the etching process, the patterned recording layer is annealed. The annealing may be done in a vacuum, or in an inert gas, like helium or argon, or in a forming gas such as a reducing atmosphere of argon plus hydrogen. The annealing improves the coercivity, the effective saturation magnetization and the thermal stability of the patterned media. | 10-17-2013 |
20140193538 | Dual-imprint pattern for apparatus - Provided herein is an apparatus, including an imprint template including a dual-imprint pattern, wherein the dual-imprint pattern is characteristic of imprinting a first pattern on the template with a first template and a second pattern on the template with a second template, and wherein the first pattern and the second pattern at least partially overlap to form the dual-imprint pattern. | 07-10-2014 |
20140287268 | CoPtCr-BASED BIT PATTERNED MAGNETIC DEVICE - Provided herein is an apparatus, including a plurality of spaced apart perpendicular magnetic elements. Each of the magnetic elements includes a respective discrete magnetic domain and each of the magnetic elements includes a magnetic recording layer comprising a Co | 09-25-2014 |
20150138939 | DUAL SEGREGANT HEAT ASSISTED MAGNETIC RECORDING (HAMR) MEDIA - In one embodiment, a magnetic media suitable for HAMR recording includes a recording layer having first and second magnetic layers. The first magnetic layer has a first segregant between magnetic grains thereof, the first segregant being primarily C. Moreover, the second magnetic layer is formed above the first magnetic layer. The second magnetic layer has a second segregant between magnetic grains thereof, the second segregant being primarily C and a second component. Additional systems and methods are also described herein. | 05-21-2015 |
20150179204 | THERMALLY STABLE AU ALLOYS AS A HEAT DIFFUSION AND PLASMONIC UNDERLAYER FOR HEAT-ASSISTED MAGNETIC RECORDING (HAMR) MEDIA - According to one embodiment, a magnetic medium includes a plasmonic underlayer having an Au alloy, where the Au alloy includes one or more alloying components that are substantially immiscible in Au; and a magnetic recording layer above the plasmonic underlayer. According to another embodiment, a magnetic medium, includes a multilayered plasmonic underlayer; and a magnetic recording layer above the multilayered plasmonic underlayer. | 06-25-2015 |
20150302878 | PATTERNED PERPENDICULAR MAGNETIC RECORDING MEDIUM WITH ULTRATHIN NOBLE METAL INTERLAYER - A bit-patterned media (BPM) magnetic recording disk has a cobalt (Co) alloy recording layer (RL), a ruthenium (Ru) containing underlayer (UL), and a noble metal film (NMF) as an interlayer between the RL and the UL. The RL is preferably oxide-free and is a Co alloy, like a CoPtCr alloy, with a hexagonal-close-packed (hcp) crystalline structure with its c-axis oriented substantially perpendicular to the plane of the RL. The NMF is an element from the Pt group (Pt, Pd, Rh, Ir) and Au, or an alloy of two or more of these elements, and has a thickness less than 3.0 nm, preferably between 0.3 and 1.0 nm. The NMF does not interrupt the epitaxial growth of the RL and has little to no effect on the distribution of the RL c-axis orientation. The NMF increases the coercivity (Hc) and perpendicular magnetic anisotropy constant (K | 10-22-2015 |
20160099017 | LAYERED SEGREGANT HEAT ASSISTED MAGNETIC RECORDING (HAMR) MEDIA - According to one embodiment, a magnetic recording medium includes a substrate, and a magnetic recording layer structure positioned above the substrate, the magnetic recording layer structure including: a first magnetic recording layer having a first plurality of magnetic grains surrounded by a first segregant; a second magnetic recording layer positioned above the first magnetic recording layer, the second magnetic recording layer having a second plurality of magnetic grains surrounded by a second segregant; and a third magnetic recording layer positioned above the second magnetic recording layer, the third magnetic recording layer having a third plurality of magnetic grains surrounded by a third segregant, where at least the first segregant is primarily a combination of carbon and a second component, and where the second segregant is primarily carbon. | 04-07-2016 |
Patent application number | Description | Published |
20110092777 | REMOTE TISSUE RETRACTION DEVICE - A medical device for managing tissue in an organ, such as the stomach, for retracting or positioning tissue and related organs to allow certain regions of the stomach to be acquired for a gastroplasty procedure. The medical device includes an elongated body having a proximal end and a distal end, and a tissue treatment device attached to the distal end of the elongated body. The tissue treatment device includes a first jaw opposite a second jaw, and each jaw is adapted to acquire tissue. A retractor is disposed along the tissue treatment device and adapted to be moveable from a delivery position to a retraction position to move or manage the tissue of the stomach. The medical device also includes a collapsible barrier disposed between the first and second jaws of the tissue treatment device to direct tissue into the first and second jaws separately. | 04-21-2011 |
20110166585 | SINGLE FOLD DEVICE FOR TISSUE FIXATION - A system for tissue approximation and fixation is described herein. A device is advanced in a minimally invasive manner within a patient's body to create one or several divisions or plications within a hollow body organ. The system comprises a stapler assembly having a tissue acquisition member and a tissue fixation member. The stapler assembly approximates tissue from within the hollow body organ with the acquisition member and then affixes the approximated tissue with the fixation member. In one method, the system can be used as a secondary procedure to reduce the size of a stoma within the hollow body organ. | 07-07-2011 |
20120065653 | INTRA-GASTRIC FASTENING DEVICES - Intra-gastric fastening devices are disclosed herein. Expandable devices that are inserted into the stomach of the patient are maintained within by anchoring or otherwise fixing the expandable devices to the stomach walls. Such expandable devices, like inflatable balloons, have tethering regions for attachment to the one or more fasteners which can be configured to extend at least partially through one or several folds of the patient's stomach wall. The fasteners are thus affixed to the stomach walls by deploying the fasteners and manipulating the tissue walls entirely from the inside of the organ. Such fasteners can be formed in a variety of configurations, e.g., helical, elongate, ring, clamp, and they can be configured to be non-piercing. Alternatively, sutures can be used to wrap around or through a tissue fold for tethering the expandable devices. Non-piercing biased clamps can also be used to tether the device within the stomach. | 03-15-2012 |
20120083657 | Remote Tissue Retraction Device - A medical device for managing tissue in an organ, such as the stomach, for retracting or positioning tissue and related organs to allow certain regions of the stomach to be acquired for a gastroplasty procedure. The medical device includes an elongated body having a proximal end and a distal end, and a tissue treatment device attached to the distal end of the elongated body. The tissue treatment device includes a first jaw opposite a second jaw, and each jaw is adapted to acquire tissue. A retractor is disposed along the tissue treatment device and adapted to be moveable from a delivery position to a retraction position to move or manage the tissue of the stomach. The medical device also includes a collapsible barrier disposed between the first and second jaws of the tissue treatment device to direct tissue into the first and second jaws separately. | 04-05-2012 |
20120150094 | METHOD AND DEVICE FOR USE IN ENDOSCOPIC ORGAN PROCEDURES - Methods and devices for use in tissue approximation and fixation are described herein. The present invention provides, in part, methods and devices for acquiring tissue folds in a circumferential configuration within a hollow body organ, e.g., a stomach, positioning the tissue folds for affixing within a fixation zone of the stomach, preferably to create a pouch or partition below the esophagus, and fastening the tissue folds such that a tissue ring, or stomas, forms excluding the pouch from the greater stomach cavity. The present invention further provides for a liner or bypass conduit which is affixed at a proximal end either to the tissue ring or through some other fastening mechanism. The distal end of the conduit is left either unanchored or anchored within the intestinal tract. This bypass conduit also includes a fluid bypass conduit which allows the stomach and a portion of the intestinal tract to communicate. | 06-14-2012 |
20120165843 | METHOD AND DEVICE FOR USE IN ENDOSCOPIC ORGAN PROCEDURES - Methods and devices for use in tissue approximation and fixation are described herein. The present invention provides, in part, methods and devices for acquiring tissue folds in a circumferential configuration within a hollow body organ, e.g., a stomach, positioning the tissue folds for affixing within a fixation zone of the stomach, preferably to create a pouch or partition below the esophagus, and fastening the tissue folds such that a tissue ring, or stomas, forms excluding the pouch from the greater stomach cavity. The present invention further provides for a liner or bypass conduit which is affixed at a proximal end either to the tissue ring or through some other fastening mechanism. The distal end of the conduit is left either unanchored or anchored within the intestinal tract. This bypass conduit also includes a fluid bypass conduit which allows the stomach and a portion of the intestinal tract to communicate. | 06-28-2012 |
20120165844 | SINGLE FOLD DEVICE FOR TISSUE FIXATION - A system for tissue approximation and fixation is described herein. A device is advanced in a minimally invasive manner within a patient's body to create one or several divisions or plications within a hollow body organ. The system comprises a stapler assembly having a tissue acquisition member and a tissue fixation member. The stapler assembly approximates tissue from within the hollow body organ with the acquisition member and then affixes the approximated tissue with the fixation member. In one method, the system can be used as a secondary procedure to reduce the size of a stoma within the hollow body organ. | 06-28-2012 |
Patent application number | Description | Published |
20090313134 | RECOVERY OF TRANSACTION INFORMATION - Online transaction processing over a communication network involves receiving a transaction input comprising an authorization request message for a transaction conducted over a communication network between a consumer and a merchant using a portable consumer device having a memory, wherein the authorization request message contains data comprising a transaction total amount for the transaction and additional information not stored in the memory of the portable consumer device and related to the transaction. Issuer authorization processing is performed in response to the authorization request message data, and a decision output is produced in response to the transaction input and the issuer authorization processing. Thus, a decision output is produced in an efficient manner using additional information for the issuer authorization processing, and the additional information reduces the likelihood of declining a transaction that should otherwise be authorized. | 12-17-2009 |
20100114776 | ONLINE CHALLENGE-RESPONSE - 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. | 05-06-2010 |
20110119155 | VERIFICATION OF PORTABLE CONSUMER DEVICES FOR 3-D SECURE SERVICES - Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a 3-D Secure datum to the verification token. The verification token may enter the 3-D Secure datum into a hidden field of a Purchase Authentication Page appearing on the computer's display. | 05-19-2011 |
20120018506 | VERIFICATION OF PORTABLE CONSUMER DEVICE FOR 3-D SECURE SERVICES - Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a 3-D Secure datum to the verification token. The verification token may enter the 3-D Secure datum into a hidden field of a Purchase Authentication Page appearing on the computer's display. | 01-26-2012 |
20120116976 | VERIFICATION OF PORTABLE CONSUMER DEVICE FOR 3-D SECURE SERVICES - Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a 3-D Secure datum to the verification token. The verification token may enter the 3-D Secure datum into a hidden field of a Purchase Authentication Page appearing on the computer's display. | 05-10-2012 |
20130339249 | ONLINE CHALLENGE-RESPONSE - 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. | 12-19-2013 |
20140114857 | TRANSACTION INITIATION DETERMINATION SYSTEM UTILIZING TRANSACTION DATA ELEMENTS - Embodiments of the invention directed to systems and methods that allow for determining a transaction initiation mode used to conduct a transaction and applying a specific set of rules associated with the transaction initiation mode to the transaction. A transaction authorization request message is received at a server computer. The transaction authorization message is for a transaction between a consumer and a merchant and includes a plurality of data elements. The server computer determines a transaction initiation mode, from among at least three different transaction initiation modes, used to conduct the transaction based at least in part on the data elements. The server computer applies a specific set of rules associated with the transaction initiation mode to the transaction. | 04-24-2014 |
20140244511 | ONLINE CHALLENGE-RESPONSE - 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. | 08-28-2014 |
20150120472 | DIGITAL WALLET SYSTEM AND METHOD - Embodiments of the present invention provide methods and systems to enable a digital wallet identifier to be present in communications associated with transaction data for transactions that are facilitated by a digital wallet provider. In one embodiment, a communication device of a user receives a request for payment credentials required to conduct a transaction and obtains the payment credentials. The payment credentials include a digital wallet identifier and at least some of the payment credentials are obtained from a trusted execution environment associated with the communication device. The obtained payment credentials are provided to an access device associated with a merchant. The access device is configured to initiate the transaction by generating an authorization request message including the payment credentials for onward transmission to an issuer computer. | 04-30-2015 |
20150379515 | SECURE AUTHENTICATION SYSTEM AND METHOD - Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a 3-D Secure datum to the verification token. The verification token may enter the 3-D Secure datum into a hidden field of a Purchase Authentication Page appearing on the computer's display. | 12-31-2015 |
Patent application number | Description | Published |
20080301056 | ONLINE PAYER AUTHENTICATION SERVICE - 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. | 12-04-2008 |
20100057619 | ACCOUNT AUTHENTICATION SERVICE WITH CHIP CARD - 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. | 03-04-2010 |
20100332393 | ONLINE PAYER AUTHENTICATION SERVICE - 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. | 12-30-2010 |