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1. 发明申请

WO2008083119A1 REAL-TIME BALANCE UPDATES 审中-公开
标题翻译：实时平衡更新
公开(公告)号：WO2008083119A1
公开(公告)日：2008-07-10
申请号：PCT/US2007/088704
申请日：2007-12-21
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , VISA U.S.A. INC. , CARLSON, Mark , HAMMAD, Ayman , FAITH, Patrick
发明人： CARLSON, Mark , HAMMAD, Ayman , FAITH, Patrick
IPC分类号： G06Q40/00
CPC分类号： H04W4/24 , G06Q20/10 , G06Q20/3221 , G06Q30/02 , G06Q30/06 , H04M15/00 , H04M15/68 , H04M15/8033 , H04M15/83 , H04M15/835 , H04M15/84 , H04M15/85 , H04M15/851 , H04M15/854 , H04M2215/0196 , H04M2215/7435 , H04M2215/81 , H04M2215/8104 , H04M2215/8129 , H04M2215/815 , H04M2215/8166
摘要： A method and a system that receive retrieve dynamic data when a notification with dynamic data is triggered. The dynamic data is associated with an account that is associated with a portable consumer device associated with a consumer. The method and system automatically send the notification with the dynamic data to a notification device, wherein the notification with the dynamic data is provided to the consumer.
摘要翻译：触发具有动态数据的通知时，接收检索动态数据的方法和系统。动态数据与与与消费者相关联的便携式消费者设备相关联的帐户相关联。所述方法和系统自动地将具有动态数据的通知发送到通知装置，其中将具有动态数据的通知提供给消费者。

2. 发明申请

WO2008027642A2 TRANSACTION AUTHENTICATION USING NETWORK 审中-公开
标题翻译：交易认证使用网络
公开(公告)号：WO2008027642A2
公开(公告)日：2008-03-06
申请号：PCT/US2007/071480
申请日：2007-06-18
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , VISA U.S.A. INC. , HAMMAD, Ayman , FAITH, Patrick , CARLSON, Mark
发明人： HAMMAD, Ayman , FAITH, Patrick , CARLSON, Mark
IPC分类号： H04L9/00
CPC分类号： G06Q20/3829 , G06Q20/085 , G06Q20/105 , G06Q20/20 , G06Q20/204 , G06Q20/367 , G06Q20/3672 , G06Q20/3674 , G06Q20/382 , G06Q20/3821 , G06Q20/385 , G06Q20/40 , G06Q20/401 , G06Q30/06 , G06Q40/00 , G06Q2220/00 , H04L9/3271 , H04L2209/56
摘要： Systems and method for improved consumer and portable consumer device authentication are disclosed. Such systems and methods may include using dynamic verification values, challenge questions, and consumer notification as ways to prevent fraudulent transactions from being conducted.
摘要翻译：公开了用于改进的消费者和便携式消费者设备认证的系统和方法。这样的系统和方法可以包括使用动态验证值，挑战问题和消费者通知作为防止欺诈交易被执行的方式。

3. 发明申请

WO2008061234A2 DYNAMIC MAGNETIC STRIPE 审中-公开
标题翻译：动态磁条
公开(公告)号：WO2008061234A2
公开(公告)日：2008-05-22
申请号：PCT/US2007/084994
申请日：2007-11-16
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , VISA U.S.A. INC. , FAITH, Patrick , HAMMAD, Ayman
发明人： FAITH, Patrick , HAMMAD, Ayman
IPC分类号： G06Q40/00
CPC分类号： G06Q20/4016 , G06Q20/20 , G06Q20/40 , G06Q30/04 , G07F7/08 , G07F7/12 , G07F7/122
摘要： A method and computer readable medium for conducting a transaction, comprising receiving a verification value and a portion of a dynamic data element, determining candidate dynamic data elements using the portion of the dynamic data element, calculating candidate verification values using candidate dynamic data elements, and determining if the received verification value matches any of the candidate verification values, wherein the transaction is thereafter authenticated if a candidate verification value matches a candidate verification value.
摘要翻译：一种用于进行交易的方法和计算机可读介质，包括接收验证值和动态数据元素的一部分，使用动态数据元素的部分确定候选动态数据元素，使用候选动态数据元素计算候选验证值，以及确定接收到的验证值是否匹配任何候选验证值，其中如果候选验证值与候选验证值匹配，则其后验证该交易。

4. 发明申请

WO2007149830A2 PORTABLE CONSUMER DEVICE CONFIGURED TO GENERATE DYNAMIC AUTHENTICATION DATA 审中-公开
标题翻译：便携式消费者设备配置生成动态认证数据
公开(公告)号：WO2007149830A2
公开(公告)日：2007-12-27
申请号：PCT/US2007/071518
申请日：2007-06-19
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , VISA U.S.A. INC. , HAMMAD, Ayman , FAITH, Patrick
发明人： HAMMAD, Ayman , FAITH, Patrick
IPC分类号： H04L9/00
CPC分类号： H04L9/32 , H04L2209/56 , H04L2209/80
摘要： Embodiments of the invention provide a portable consumer device configured to store dynamic authentication data in memory. The portable consumer device also includes an interface for transmitting data to and receiving power from an external device. The dynamic authentication data is read from the memory by a read-write device located on the portable consumer device. The authentication data is updated and the updated data may be written into memory using the read-write device. In some embodiments, an authentication value read from the memory may be used to generate another authentication value based on an algorithm. The portable consumer device is further configured to transmit authentication data to an external device. The process of reading, updating, generating, transmitting, and rewriting the authentication data may occur each time external power is provided to the portable consumer device via the interface. The power for operating the components of the portable consumer device may be drawn exclusively from the power received from the external device (i.e., the external power). In some embodiments, a portion of the external power may be temporarily stored on an energy storage means of the portable consumer device.
摘要翻译：本发明的实施例提供了被配置为将动态认证数据存储在存储器中的便携式消费者设备。便携式消费设备还包括用于向外部设备发送数据并从外部设备接收电力的接口。通过位于便携式消费设备上的读写装置从存储器读取动态认证数据。更新认证数据，并且可以使用读写装置将更新的数据写入存储器。在一些实施例中，从存储器读取的认证值可以用于基于算法生成另一认证值。便携式消费者设备还被配置为将认证数据发送到外部设备。每当通过接口向便携式消费者设备提供外部电力时，可以发生读取，更新，生成，发送和重写认证数据的过程。用于操作便携式消费者设备的组件的功率可以仅从从外部设备接收的功率（即外部功率）来绘制。在一些实施例中，外部功率的一部分可以临时存储在便携式消费设备的能量存储装置上。

5. 发明申请

WO2008016752A2 VERIFICATION ERROR REDUCTION SYSTEM 审中-公开
标题翻译：验证错误减少系统
公开(公告)号：WO2008016752A2
公开(公告)日：2008-02-07
申请号：PCT/US2007/071479
申请日：2007-06-18
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , VISA U.S.A. INC. , FAITH, Patrick , HAMMAD, Ayman
发明人： FAITH, Patrick , HAMMAD, Ayman
IPC分类号： H04L9/00
CPC分类号： G06Q20/3829 , G06Q20/085 , G06Q20/105 , G06Q20/20 , G06Q20/204 , G06Q20/367 , G06Q20/3672 , G06Q20/3674 , G06Q20/382 , G06Q20/3821 , G06Q20/385 , G06Q20/40 , G06Q20/401 , G06Q30/06 , G06Q40/00 , G06Q2220/00 , H04L9/3271 , H04L2209/56
摘要： A method is disclosed. The method includes a) receiving a dynamic data element and a first verification value derived from the dynamic data element, wherein the first verification value is generated in response to a transaction conducted using a portable consumer device, b) determining if the dynamic data element is within a predetermined range, c) if the dynamic data element is within the predetermined range, generating a second verification value, d) determining if the second verification value matches the first verification value, or if the second verification value is otherwise acceptable, and e) initiating the approval the transaction if the second verification value matches the first verification value.
摘要翻译：公开了一种方法。该方法包括：a）接收动态数据元素和从动态数据元素导出的第一验证值，其中响应于使用便携式消费者设备进行的交易生成第一验证值，b）确定动态数据元素是在预定范围内，c）如果动态数据元素在预定范围内，则生成第二验证值，d）确定第二验证值是否匹配第一验证值，或者如果第二验证值是否可接受，并且e ）如果第二验证值与第一验证值匹配，则开始交易批准。

6. 发明申请

WO2007149785A3 PORTABLE CONSUMER DEVICE VERIFICATION SYSTEM 审中-公开
公开(公告)号：WO2007149785A3
公开(公告)日：2007-12-27
申请号：PCT/US2007/071376
申请日：2007-06-15
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , VISA U.S.A. INC. , HAMMAD, Ayman , FAITH, Patrick
发明人： HAMMAD, Ayman , FAITH, Patrick
IPC分类号： H04K1/00 , H04R1/00 , G06Q40/00
摘要： A method for verifying a portable consumer device. The method includes receiving an authorization request message associated with a transaction conducted using a portable consumer device. The portable consumer device includes a portable consumer device fingerprint. The authorization request message includes an altered portable consumer device fingerprint and an algorithm identifier. The method also includes selecting an algorithm from among a plurality of algorithms using the algorithm identifier, determining the portable consumer device fingerprint using selected algorithm and the altered portable consumer device fingerprint, determining if the portable consumer device fingerprint matches a stored portable consumer device fingerprint, and sending an authorization response message after determining if the portable consumer device fingerprint matches the stored portable consumer device fingerprint.

7. 发明申请

WO2010129300A2 FRAUD AND REPUTATION PROTECTION USING ADVANCED AUTHORIZATION AND RULES ENGINE 审中-公开
标题翻译：使用高级授权和规则发动机的防范和声明保护
公开(公告)号：WO2010129300A2
公开(公告)日：2010-11-11
申请号：PCT/US2010/032611
申请日：2010-04-27
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark , STAN, Patrick , FAITH, Patrick L. , HAMMAD, Ayman , REWIS, Ben
发明人： CARLSON, Mark , STAN, Patrick , FAITH, Patrick L. , HAMMAD, Ayman , REWIS, Ben
IPC分类号： G06Q20/00
CPC分类号： G06Q20/401 , G06Q20/202 , G06Q20/325 , G06Q20/40 , G06Q30/0185 , G06Q30/0224 , G06Q30/0236 , G06Q40/12 , G06Q50/265 , G08B5/229 , G08B25/004 , H04L12/1895 , H04L67/04 , H04L67/26 , H04L67/306
摘要： Systems and methods are presented for analyzing a credit card or other financial transaction and, based on whether a score for the transaction meets or exceeds a user-selected threshold, sending a transaction notification message to a consumers electronic device such as a cell phone.
摘要翻译：呈现用于分析信用卡或其他金融交易的系统和方法，并且基于交易的分数是否满足或超过用户选择的阈值，向诸如手机的消费者电子设备发送交易通知消息。

8. 发明申请

WO2011066387A2 ACCESS TO A SECURED AREA USING A MOBILE DEVICE WITH AN ACCELEROMETER 审中-公开
标题翻译：使用具有加速度计的移动设备访问安全区域
公开(公告)号：WO2011066387A2
公开(公告)日：2011-06-03
申请号：PCT/US2010/058005
申请日：2010-11-24
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , FAITH, Patrick , CARLSON, Mark , HAMMAD, Ayman , REWIS, Ben , KOGANTI, Kris
发明人： FAITH, Patrick , CARLSON, Mark , HAMMAD, Ayman , REWIS, Ben , KOGANTI, Kris
IPC分类号： H04W12/08
CPC分类号： G06F1/1694 , G06F21/40 , G06Q20/10 , G06Q20/32 , G06Q20/3224 , G06Q20/389 , G06Q20/40 , G06Q20/4016 , G06Q20/42 , H04W12/08
摘要： Embodiments of the present invention are directed to systems, apparatuses and methods for using a mobile device with an accelerometer to gain access into a secured or restricted area. A first device and a second device interact by making physical contact with each other thereby generating interaction data that is representative of the physical interaction between the first and second device. The first and second device may be mobile phones. The second device may be a point of sale terminal, access point device, or any other stationary (i.e., in a fixed position) device positioned at a line, door, gate, or entrance. A server computer determines, based on interaction data, that the first device and the second device made physical contact. After determining that the first device and the second device made contact, communications may be initiated between the devices. Communications may relate an access transaction comprising an exchange of information, such as credentials, between a prospective entrant (operating the first device) and a gatekeeper (operating the second device) to verify that the prospective entrant is permitted or is not permitted access to a particular area that is secured or restricted by the gatekeeper. Other embodiments are direct to confirmation transactions. Access transaction and confirmation transactions may be combined with a financial transaction using a payment processing network.
摘要翻译：本发明的实施例针对用于使用具有加速度计的移动设备来访问安全或受限制的区域的系统，设备和方法。第一设备和第二设备通过彼此物理接触来交互，从而生成表示第一和第二设备之间的物理交互的交互数据。第一和第二设备可以是移动电话。第二设备可以是销售点终端，接入点设备，或位于线路，门，入口或入口处的任何其他静止（即处于固定位置）设备。服务器计算机基于交互数据确定第一设备和第二设备进行了物理接触。在确定第一设备和第二设备联系之后，可以在设备之间发起通信。通信可以涉及在预期进入者（操作第一设备）和关守（操作第二设备）之间交换信息（诸如凭证）的访问交易，以验证预期参赛者被允许或不被允许访问由看门人保护或限制的特定区域。其他实施例直接涉及确认交易。访问交易和确认交易可以与使用支付处理网络的金融交易相结合。

9. 发明申请

WO2011066381A2 TRANSACTION USING A MOBILE DEVICE WITH AN ACCELEROMETER 审中-公开
标题翻译：使用具有加速度计的移动设备的交易
公开(公告)号：WO2011066381A2
公开(公告)日：2011-06-03
申请号：PCT/US2010/057997
申请日：2010-11-24
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , FAITH, Patrick , CARLSON, Mark , HAMMAD, Ayman , REWIS, Ben , KOGANTI, Kris
发明人： FAITH, Patrick , CARLSON, Mark , HAMMAD, Ayman , REWIS, Ben , KOGANTI, Kris
IPC分类号： G06Q20/00 , G01P15/00
CPC分类号： G06F1/1694 , G06F21/40 , G06Q20/10 , G06Q20/32 , G06Q20/3224 , G06Q20/389 , G06Q20/40 , G06Q20/4016 , G06Q20/42 , H04W12/08
摘要： Embodiments of the invention may use a first accelerometer to measure first acceleration data of a first device. Other interaction data, including time data and geographic location data, generated by the first device may also be recorded. First acceleration data is compared by a remote server computer to second acceleration data generated by a second accelerometer in a second device. If the first and second accelerometer data are substantially equal, it can be determined that the devices have interacted and communications can be initiated. After communications are initiated, a financial transaction is conducted. Accelerometer data may be stored and/or used as part of the authentication process in a payment processing network. Other embodiments of the invention use the accelerometer to generate movement security data to make financial transaction more secure. Accelerometer data is used for authentication, security, encryption, session keys, non-repudiation, or fraud protection.
摘要翻译：本发明的实施例可以使用第一加速度计来测量第一装置的第一加速度数据。还可以记录由第一设备产生的其他交互数据，包括时间数据和地理位置数据。第一加速度数据由远程服务器计算机与由第二装置中的第二加速度计产生的第二加速度数据进行比较。如果第一和第二加速度计数据基本上相等，则可以确定设备已经相互作用并且可以启动通信。通信发起后，进行金融交易。加速度计数据可以被存储和/或用作支付处理网络中认证过程的一部分。本发明的其他实施例使用加速度计来产生运动安全数据以使金融交易更加安全。加速度计数据用于认证，安全性，加密，会话密钥，不可否认性或欺诈保护。

10. 发明申请

WO2010129333A3 MERCHANT ALERT BASED SYSTEM AND METHOD INCLUDING CUSTOMER PRESENCE NOTIFICATION 审中-公开
标题翻译：基于商业警报的系统和方法，包括客户存在通知
公开(公告)号：WO2010129333A3
公开(公告)日：2010-11-11
申请号：PCT/US2010/032756
申请日：2010-04-28
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark , STAN, Patrick , FAITH, Patrick , HAMMAD, Ayman , REWIS, Ben
发明人： CARLSON, Mark , STAN, Patrick , FAITH, Patrick , HAMMAD, Ayman , REWIS, Ben
IPC分类号： G06Q30/00 , G06Q50/00
摘要： Embodiments of the present invention disclosed herein include systems and methods for sending merchant alert messages. The merchant can specify criteria indicating the types of customers for which he desires to receive alerts. Merchant alert messages can be sent based on characteristics of a customer, including the customer's proximity to the merchant. The merchant can use the alert message to provide better service to the customer or prevent the customer from engaging in transactions, depending on the contents of the merchant alert message.
摘要翻译：这里公开的本发明的实施例包括用于发送商家警报消息的系统和方法。商家可以指定指示他希望接收警报的客户类型的标准。商家提醒消息可以基于顾客的特征发送，包括顾客与商家的接近度。商家可以使用警报消息向顾客提供更好的服务，或者防止顾客进行交易，这取决于商家警报消息的内容。

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