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91. 发明专利

BRPI0818769A2 Método, meio legível por computador, computador servidor, e, telefone. 未知
公开(公告)号：BRPI0818769A2
公开(公告)日：2015-04-07
申请号：BRPI0818769
申请日：2008-10-24
申请人： VISA INT SERVICE ASS
发明人： HAMMAD AYMAN , FAITH PATRICK
IPC分类号： G06Q30/00 , H04W4/24 , H04W12/06

92. 发明专利

AU2013277083A1 Intelligent consumer service terminal apparatuses, methods and systems 未知
公开(公告)号：AU2013277083A1
公开(公告)日：2015-01-22
申请号：AU2013277083
申请日：2013-06-20
申请人： VISA INT SERVICE ASS
发明人： HARRIS THEODORE , FAITH PATRICK
IPC分类号： G06F17/00 , G06F17/30
摘要： The INTELLIGENT CONSUMER SERVICE TERMINAL APPARATUSES, METHODS AND SYSTEMS (hereinafter "ICST") The ICST transforms user service request inputs via ICST components into a service solution executable by an intelligent terminal. In one embodiment, a method is disclosed, comprising: receiving a service request inquiry from a remote terminal; parsing the service request inquiry to obtain service identifying information; querying in a solution cloud based on the obtained service identifying information; retrieving a solution from the solution cloud from the query; generating a downloadable instruction package including the retrieved solution based on source information of the remote terminal; and providing the downloadable instruction package to the remote terminal.

93. 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.

94. 发明专利

AU2008316620B2 Value-added services engine 未知
公开(公告)号：AU2008316620B2
公开(公告)日：2014-05-15
申请号：AU2008316620
申请日：2008-10-24
申请人： VISA INT SERVICE ASS
发明人： FAITH PATRICK , HAMMAD AYMAN
IPC分类号： G06Q30/00
摘要： Systems and methods for conducting a transaction using a Value-Added Services Engine. The method initiates sending transaction information with a product identifier identifying a product associated with a transaction conducted between a merchant and a consumer to the Value-Added Services Engine. The Value-Added Services Engine is programmed to determine a benefit associated with the product. The benefit is determined after communicating with a supplier of the product. The method also receives an indication of the benefit.

95. 发明专利

AU2008316613B2 Payment transaction using mobile phone as relay 未知
公开(公告)号：AU2008316613B2
公开(公告)日：2014-02-13
申请号：AU2008316613
申请日：2008-10-24
申请人： VISA INT SERVICE ASS
发明人： FAITH PATRICK , HAMMAD AYMAN
IPC分类号： G06Q30/00 , H04W4/24 , H04W12/06
摘要： Systems and methods of conducting a payment transaction using a mobile phone as a relay. The systems and methods receive transaction information associated with a transaction at a mobile communication device from a merchant. They send the transaction information with the mobile communication device to an issuer associated with the mobile communication device. The issuer thereafter sends an authorization response message to the merchant.

96. 发明专利

AU2010324763A1 Interaction terminal 未知
公开(公告)号：AU2010324763A1
公开(公告)日：2012-06-14
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.

97. 发明专利

AU2010315111A1 Verification of portable consumer devices for 3-D secure services 未知
公开(公告)号：AU2010315111A1
公开(公告)日：2012-06-07
申请号：AU2010315111
申请日：2010-11-04
申请人： VISA INT SERVICE ASS
发明人： HAMMAD AYMAN , FAITH PATRICK , KOGANTI KRISHNA PRASAD , REWIS BEN , LOUIS BRENDAN XAVIER , WELLER KEVIN , DOMINGUEZ BENEDICTO HERNANDEZ
IPC分类号： G06F21/20 , G06Q20/00
摘要： 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.

98. 发明专利

AU2010306566A1 Anti-phishing system and method including list with user data 未知
公开(公告)号：AU2010306566A1
公开(公告)日：2012-05-17
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.

99. 发明专利

MX2011013139A ACTIVACION DE SERVICIO USANDO CLAVE DEFINIDA EN FORMA DE ALGORITMO. 未知
公开(公告)号：MX2011013139A
公开(公告)日：2012-01-20
申请号：MX2011013139
申请日：2010-06-10
申请人： VISA INT SERVICE ASS
发明人： CARLSON MARK , FAITH PATRICK , BRAND OLIVIER , LINDELSEE MIKE , MIRIZZI JOSEPH , WHITE LAUREN , RAJ ASHWIN , TULLIS JOHN , MAYOR SHALINI
IPC分类号： H04L9/14 , H04L9/32
摘要： Se describen sistemas y métodos para activación de servicio usando claves definidas en forma de algoritmo. Un consumidor quien tiene una relación con una primera parte puede desea inscribirse en un servicio provisto por una tercera parte. La primera parte puede mantener control de esas inscripciones. Las claves definidas en forma de algoritmo también le permiten a la tercera parte proveedora de servicio verificar los datos provistos por el consumidor que coincidan con los datos almacenados por la primera parte. La verificación proporciona la sincronización de datos sin requerir que la tercera parte tenga acceso a los sistemas de datos de la primera parte.

100. 发明专利

BRPI0615665A2 未知
公开(公告)号：BRPI0615665A2
公开(公告)日：2011-05-24
申请号：BRPI0615665
申请日：2006-09-05
申请人： VISA USA INC , VISA INT SERVICE ASS
发明人： GAUTHIER PATRICK , MAW BRIAN , FAITH PATRICK , PATTERSON BARBARA
IPC分类号： G06K5/00 , G06Q20/34 , G06K19/06 , G06Q20/40 , G06Q40/02
摘要： A technique for improving the security of a portable consumer device may include storing a first account identifier and a second account identifier associated with the first account identifier, the second account identifier and the first account identifier being associated with the same account on the portable consumer device. When the portable consumer device is interacting with a reader device to conduct a transaction, the portable consumer device may determine whether the transaction is a proximity transaction by sensing whether a wireless interrogation signal is being transmitted from the reader device, and determine which of the first account identifier and the second account identifier to provide to the reader device based on whether the transaction is a proximity transaction.

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