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91. 发明专利

AU2010306566B2 Anti-phishing system and method including list with user data 未知
公开(公告)号：AU2010306566B2
公开(公告)日：2015-12-10
申请号：AU2010306566
申请日：2010-10-15
申请人： VISA INT SERVICE ASS
发明人： CARLSON MARK , FAITH PATRICK
IPC分类号： G06Q20/00 , G06Q40/00
摘要： A server computer is disclosed. It comprises a processor and a computer readable medium coupled to the processor. The computer readable medium comprises code executable by the processor for implementing a method comprising: (i) receiving a request to conduct a transaction, (ii) providing a user interface to a user in response to the request, wherein the user interface includes a list of candidate identification tokens, wherein the list of candidate identification tokens includes an authentic identification token and one or more non-authentic identification tokens, wherein the authentic identification token is associated with a user account.

92. 发明专利

AU2010289961C1 Alias identity and reputation validation engine 未知
公开(公告)号：AU2010289961C1
公开(公告)日：2015-10-22
申请号：AU2010289961
申请日：2010-08-06
申请人： VISA INT SERVICE ASS
发明人： CARLSON MARK , STAN PATRICK , FAITH PATRICK , REWIS BENJAMIN
IPC分类号： G06Q30/00 , G06Q10/00 , G06Q50/00
摘要： Methods and system for determining reputation information are provided. The method includes analyzing transactional and non-transactional information for an alias associated with an entity and determining reputation information for that alias. The reputation information is transferrable across multiple domains. A user can request the reputation information about an entity prior to doing business with that entity. The reputation information is generated for merchants as well as users. The system can generate transaction risk score for every transaction to be conducted between two or more aliases. The system includes an alias identity and reputation validation server computer that receives inputs from various external systems and generated reputation information based on the inputs. Additionally, every individual user/merchant can manage his profile within the reputation database and enter some information manually.

93. 发明专利

AU2009262087B2 Systems and methods for visual representation of offers 未知
公开(公告)号：AU2009262087B2
公开(公告)日：2015-09-03
申请号：AU2009262087
申请日：2009-06-26
申请人： VISA INT SERVICE ASS
发明人： FAITH PATRICK , CARLSON MARK
IPC分类号： G06Q30/00
摘要： A method and system for providing geographic location notifications for targeted offers is disclosed. One embodiment of the invention is directed to a method including monitoring for an event to trigger a targeted offer. Upon detection of the event, the offer is generated. The offer is targeted to a consumer and is generated using payment data generated in response to transactions conducted by the consumer with a plurality of different merchants. A geographic location for redeeming the offer is determined. A notification message is generated about the offer. The notification message includes the offer and the geographic location for redeeming the offer. The notification message is sent to a notification device which is operated by the consumer. A graphical depiction of the offer is displayed on a map on the notification device.

94. 发明专利

AU2009296822B2 Intelligent alert system and method 未知
公开(公告)号：AU2009296822B2
公开(公告)日：2015-03-26
申请号：AU2009296822
申请日：2009-09-21
申请人： VISA INT SERVICE ASS
发明人： HAMMAD AYMAN , CARLSON MARK
IPC分类号： H04W4/12 , G06Q50/00
摘要： A system and method for generating an intelligent alert message is disclosed. A user enrolls in the messaging service. Information that the user provides during the enrollment process are sent into a database. the user performs a transaction using a portable consumer device. Transaction data are sent to a computer apparatus. The computer apparatus accesses the database containing alert customization data. An intelligent alert message is generated based on the transaction data and the alert customization data. The intelligent alert message is sent to a user device. For example, after a user uses a portable consumer device to buy gas at a fuel dispenser in a gas purchase transaction, an alert message that is received by a user's phone may be "This is a gas purchase transaction. The amount may vary." In this example, the amount of the purchase is not known until after the user buys gas.

95. 发明专利

AU2010324763B2 Interaction terminal 未知
公开(公告)号：AU2010324763B2
公开(公告)日：2014-09-04
申请号：AU2010324763
申请日：2010-11-24
申请人： VISA INT SERVICE ASS
发明人： FAITH PATRICK , CARLSON MARK , HAMMAD AYMAN , REWIS BEN , KOGANTI KRIS
IPC分类号： G01P15/00 , G06Q20/00 , G06Q40/00 , H04W4/02
摘要： Embodiments of the present invention are directed to systems, apparatuses and methods for using a mobile device with an accelerometer to conduct a financial transaction by making contact with an interaction terminal, thereby generating interaction data that is representative of the physical contact between the mobile device and the interaction terminal. The mobile device may be a mobile phone. The interaction terminal 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 mobile device with an accelerometer physically contacts the interaction terminal. The interaction terminal flexes, recoils, or moves and generates interaction data (e.g., accelerometer, location, time data, etc.) representative of the physical interaction between the mobile device and the interaction terminal. A server computer determines, based on interaction data, that the mobile device and the interaction terminal made physical contact. After determining that the mobile device and the interaction terminal made contact, communication may be initiated between the devices. Communications may relate to processing a payment transaction using a payment processing network.

96. 发明专利

AU2012333121A1 Systems and methods to secure user identification 未知
公开(公告)号：AU2012333121A1
公开(公告)日：2014-03-06
申请号：AU2012333121
申请日：2012-09-21
申请人： VISA INT SERVICE ASS
发明人： CARLSON MARK , BANKSTON MICHAEL STEVEN , JOGI KALPANA , GALLAGHER TIMOTHY , PANAGIOTIDES ALESIA
IPC分类号： H04L9/32
摘要： In one aspect, a computing apparatus is configured to verify a digital signature applied on a set of data received from a user device, including an user ID assigned by a partner system to uniquely identify a user of the user device among customers of the partner system, and a user device identifier identifying the user device. The digital signature is generated via applying a cryptographic one-way hash function on a combination of the set of data and a secret, shared between the computing apparatus and the partner system via a secure communication channel separate from a channel used to receive the set of data.

97. 发明专利

AU2012322837A1 Systems and methods to provide discount at point of sales terminals 未知
公开(公告)号：AU2012322837A1
公开(公告)日：2014-03-06
申请号：AU2012322837
申请日：2012-10-10
申请人： VISA INT SERVICE ASS
发明人： HAGEY RYAN , REID MARGARET , OVICK JOSEPH , CARLSON MARK , STAN PATRICK , WRIGHT PATRICK , KOGANTI KRIS , POWELL GLENN
IPC分类号： G06Q20/40 , G06Q20/20 , G06Q30/02
摘要： A system and method includes a transaction handler configured to modify the transaction amount, in the authorization request or the authorization response of a transaction, in accordance with an offer that is applicable to the transaction to apply the benefit of the offer to the transaction.

98. 发明专利

CA2811021A1 SYSTEMS AND METHODS TO PROCESS TRANSACTIONS AND OFFERS VIA A GATEWAY 未知
公开(公告)号：CA2811021A1
公开(公告)日：2013-10-04
申请号：CA2811021
申请日：2013-04-02
申请人： VISA INT SERVICE ASS
发明人： OVICK JOSEPH BJORN , CARLSON MARK , HAGEY RYAN , REID MARGARET , STAN PATRICK , WRIGHT PATRICK , KOGANTI KRISHNA PRASAD , POWELL GLENN , KUMNICK PHILLIP LYLE
IPC分类号： G06Q20/08 , G06Q20/06 , G06Q20/40 , G06Q30/06
摘要： A system, configured to integrate the processing of transactions and offers applicable to the transactions, includes: a data warehouse storing an offer in association with a financial payment account; a gateway configured to receive an authorization request that is transmitted from a transaction terminal without going through an acquirer processor, the gateway coupled with the data warehouse to determine whether the offer is applicable to the authorization request and if so, apply a benefit of the offer to the authorization request; and a transaction handler coupled with the gateway to process the authorization request submitted from the gateway, provide an authorization response corresponding to the authorization request, and communicate with the acquirer processor to credit funds according to the authorization request to a merchant account associated with the transaction terminal.

99. 发明专利

AU2008268373B2 Secure mobile payment system 未知
公开(公告)号：AU2008268373B2
公开(公告)日：2013-07-11
申请号：AU2008268373
申请日：2008-06-25
申请人： VISA INT SERVICE ASS
发明人： CARLSON MARK
IPC分类号： G06Q20/00 , G06Q40/00
摘要： The present invention provides a method for conducting a transaction that includes receiving a pseudo account identifier that corresponds to a primary account identifier. The pseudo account identifier may be received at a portable wireless device and may be generated by a remote server computer. The portable wireless device can receive the pseudo account identifier over a first network and provide the pseudo account identifier to an access device. The access devices generally comprises a reader that can receive the pseudo account identifier, and thereafter send a message to request authorization of a transaction. The authorization request message may include the pseudo account identifier and is sent to a payment processing network. The authorization request message is sent to the payment processing network over a second network. The payment processing network may then process the authorization message and return a response that indicates if the transaction is authorized or not.

100. 发明专利

SG186910A1 GATEWAY ABSTRACTION LAYER 未知
公开(公告)号：SG186910A1
公开(公告)日：2013-02-28
申请号：SG2013000369
申请日：2011-07-11
申请人： VISA INT SERVICE ASS
发明人： KATZIN EDWARD , CARLSON MARK
摘要： ion layer can be maintained using update messages received from service providers.

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