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91. 发明公开

EP2212845A4 VALUE-ADDED SERVICES ENGINE 审中-公开
标题翻译： MEHRWERTDIENSTE-ENGINE
公开(公告)号：EP2212845A4
公开(公告)日：2011-05-25
申请号：EP08842758
申请日：2008-10-24
申请人： VISA INT SERVICE ASS
发明人： HAMMAD AYMAN , FAITH PATRICK
IPC分类号： G06F9/44 , G06Q30/00
CPC分类号： G06Q20/3825 , G06Q10/087 , G06Q20/10 , G06Q20/102 , G06Q20/20 , G06Q20/32 , G06Q20/3223 , G06Q20/3224 , G06Q20/3274 , G06Q20/3276 , G06Q20/387 , G06Q20/40 , G06Q20/401 , G06Q30/00 , G06Q30/0212 , G06Q30/0215 , G06Q30/0601 , G06Q40/00 , G06Q40/025 , G06Q40/12 , G06Q40/128 , H04L63/18
摘要： A system and method for distributing coupons to consumers at the point-of-sale, where the benefit offered in the coupon can be determined according to a risk analysis. The coupon can then be applied to a transaction taking place at the point-of-sale or stored for future use.
摘要翻译：在销售点向消费者分发优惠券的系统和方法，其中可以根据风险分析确定优惠券中提供的利益。然后可以将优惠券应用于在销售点进行的交易，或存储以供将来使用。

92. 发明专利

AU2021209247A1 CLOUD-BASED VIRTUAL WALLET NFC APPARATUSES, METHODS AND SYSTEMS 未知
公开(公告)号：AU2021209247A1
公开(公告)日：2021-08-19
申请号：AU2021209247
申请日：2021-07-28
申请人： VISA INT SERVICE ASS
发明人： HAMMAD AYMAN
IPC分类号： G06Q20/36 , G06Q20/40
摘要： The Cloud-based Virtual Wallet NFC Apparatuses, methods and systems ("EAE") transform user enhanced security transaction initiation requests using EAE components into time-limited, session-specific transaction bounding tokens. In some implementations, the disclosure provides a processor-implemented method of transforming a transaction bounding token request into transaction bounded tokens and purchase authorizations.

93. 发明专利

ES2683174T3 Aparatos, métodos y sistemas de compra en persona con un solo toque 未知
公开(公告)号：ES2683174T3
公开(公告)日：2018-09-25
申请号：ES12763395
申请日：2012-03-26
申请人： VISA INT SERVICE ASS
发明人： KATZIN EDWARD , HAMMAD AYMAN , HUA JULIAN , WALD JERRY
IPC分类号： G06Q20/20 , G06Q30/06 , G06Q20/32 , G06Q30/02 , G06V30/224 , G07G1/00 , G07G3/00
摘要： Un método realizado en una tienda minorista que tiene un sistema (261, 262, 263) antirrobo, que comprende: recibir, mediante un servidor (265) de un dispositivo (201) móvil del consumidor en una tienda minorista, un identificador (205) de producto para un artículo de compra potencial que es obtenido basándose en una captura en persona de identificador de producto mediante el dispositivo móvil; identificar, mediante servidor, un comerciante para el artículo de compra potencial, el comerciante que está asociado con la tienda minorista; determinar, mediante el servidor, un precio del artículo de compra potencial basándose en el comerciante; obtener, mediante el servidor del dispositivo móvil, consentimiento del consumidor para comprar el artículo; iniciar, mediante el servidor utilizando el dispositivo móvil, una transacción de compra con el comerciante identificado para el artículo de compra potencial basándose en el consentimiento del consumidor; proporcionar, mediante el servidor al dispositivo móvil, un recibo (252) electrónico que tiene un código verificable de comerciante, el recibo que está basado en la transacción de compra; recibir el código (251) verificable de un lector (260) en la tienda minorista, el código verificable que ha sido leído del dispositivo móvil utilizando el lector mientras el dispositivo móvil está próximo al lector; verificar que el código verificable es válido; recibir una indicación de que el código verificable es válido; y detectar en un sistema antirrobo una etiqueta (257) antirrobo de un artículo (210); en respuesta a la detección de la etiqueta antirrobo, determinar si la etiqueta antirrobo coincide con un producto asociado con el código verificable; y en respuesta a la determinación de una coincidencia entre el producto y la etiqueta antirrobo, desactivar el sistema antirrobo para la etiqueta antirrobo para permitir al artículo abandonar la tienda.

94. 发明专利

AU2018204759A1 SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS 未知
公开(公告)号：AU2018204759A1
公开(公告)日：2018-07-19
申请号：AU2018204759
申请日：2018-06-29
申请人： VISA INT SERVICE ASS
发明人： HAMMAD AYMAN , KARPENKO IGOR , GAVRILOV MIROSLAV , SHRIVASTAVA ABHINAV , CARLSON MARK , HARIRAMANI PRAKASH
IPC分类号： G06Q20/00
摘要： The SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS ("SNAP") transform real-time generated merchant-product Quick Response codes via SNAP components into virtual wallet card-based transaction purchase notifications. In one embodiment, the SNAP obtains a snapshot of a QR code presented on a display screen of a point-of-sale device from a mobile device. The SNAP decodes the QR code to obtain product information included in a checkout request of the user, and merchant information for processing a user purchase transaction with a merchant providing the QR code. The SNAP accesses a user virtual wallet to obtain user account information to process the user purchase transaction with the merchant. Using the product information, merchant information and user account information, the SNAP generates a card authorization request, and which the SNAP provides to a payment network for transaction processing. Also, the SNAP obtains a purchase receipt confirming processing of the user purchase transaction. WO 2012/112822 PCT/US2012/025530 Cc' -al S ()>f, -- ) C14 _0 c CD a) Z6 =: C', 0-) cc Cc 0 wU U, 0. CD C: ~ U) 0 o E 0 aw 0 . o 0 Ho pW Qp Col >,~~U cc ) A Cc U) )a-:= M- Cc, U, CCJ ., =, >' M~ co >

95. 发明专利

CA2759950C VERIFICATION OF PORTABLE CONSUMER DEVICES 未知
公开(公告)号：CA2759950C
公开(公告)日：2016-09-13
申请号：CA2759950
申请日：2010-04-28
申请人： VISA INT SERVICE ASS
发明人： HAMMAD AYMAN
IPC分类号： G06Q20/00
摘要： Embodiments of the invention are directed to methods, systems, and computer program products pertaining to obtaining, providing, and using dynamic card verification values for portable consumer devices, such as credit cards and debit cards. An exemplary method comprises receiving, at a server, a request for a device verification value for a portable consumer device associated with a user; obtaining, at the server, a datum indicative of a device verification value for a portable consumer device; and sending, from the server, the datum to at least one of a phone number or network address of a personal communication device associated with the user.

96. 发明专利

AU2015200701B2 Anytime validation for verification tokens 未知
公开(公告)号：AU2015200701B2
公开(公告)日：2016-07-28
申请号：AU2015200701
申请日：2015-02-12
申请人： VISA INT SERVICE ASS
发明人： HURRY SIMON , HAMMAD AYMAN
IPC分类号： H04L9/32 , G06Q20/00 , H04L9/14
摘要： Systems and method for producing, validating, and registering authentic verification tokens (40) are disclosed. Such systems and methods include generating verification token specific key pairs. The key pairs can be signed by a verification token manufacturer master key or public key certificate for an additional level of authenticity. Related methods and systems for authenticating and registering authorized verification token manufacturers are also disclosed. Once a verification token manufacturer is authenticated, it can be assigned a manufacturer-specific key pair or certificate and in some cases, a predetermined set of serial numbers to assign to the verification tokens (40) it produces. Each serial number can be used to generate a verification token specific key pair specific to the associated verification token. One component of the verification token key pair can be stored to the verification token (40). Optionally, the component of the verification token key pair stored to the verification token (40) can be signed by the manufacturer specific master key or certificate and stored a verification token public certificate.

97. 发明专利

BRPI1016218A2 sistema, e, método 未知
公开(公告)号：BRPI1016218A2
公开(公告)日：2016-04-26
申请号：BRPI1016218
申请日：2010-04-27
申请人： VISA INT SERVICE ASS
发明人： HAMMAD AYMAN , CARLSON MARK
IPC分类号： G06Q20/00

99. 发明专利

BR112012001506A2 aparelho incluindo meio portador de dados para reduzir fraude nas transações de pagamento utilizando uma lista negra 未知
公开(公告)号：BR112012001506A2
公开(公告)日：2016-03-15
申请号：BR112012001506
申请日：2010-07-20
申请人： VISA INT SERVICE ASS
发明人： HAMMAD AYMAN
IPC分类号： G06Q20/00 , G06Q40/00

100. 发明专利

AP2015008826A0 INTEGRATION OF VERIFICATION TOKENS WITH MOBILE COMMUNICATION DEVICES 未知
公开(公告)号：AP2015008826A0
公开(公告)日：2015-10-31
申请号：AP2015008826
申请日：2011-10-26
申请人： VISA INT SERVICE ASS
发明人： HAMMAD AYMAN
IPC分类号： H04L9/32 , G06Q20/00
摘要： Apparatuses, methods, and systems pertaining to the verification of portable consumer devices are disclosed. In one implementation, a verification token is communicatively 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 device verification value to the verification token, and optionally to a payment processing network. The verification token may enter the device verification value into a CVV field of a web page appearing on the computer's display, or may display the value to the user using the computer's display.

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