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11. 发明申请

WO2011066381A3 TRANSACTION USING A MOBILE DEVICE WITH AN ACCELEROMETER 审中-公开
标题翻译：使用带加速度计的移动设备进行交易
公开(公告)号：WO2011066381A3
公开(公告)日：2011-09-22
申请号：PCT/US2010057997
申请日：2010-11-24
申请人： VISA INT SERVICE ASS , 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： G01P15/00 , G06Q20/00
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计来测量第一设备的第一加速度数据。其他交互数据，包括由第一设备生成的时间数据和地理位置数据也可以被记录。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生成的第二加速度数据进行比较。如果第一和第二加速计数据基本相等，则可以确定设备已经互相作用并且可以启动通信。通信开始后，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的认证过程的一部分。本发明的其他实施例使用加速度计来生成移动安全数据以使金融交易更安全。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。

12. 发明申请

WO2011066395A3 INTERACTION TERMINAL 审中-公开
标题翻译：交互式终端
公开(公告)号：WO2011066395A3
公开(公告)日：2011-09-15
申请号：PCT/US2010058014
申请日：2010-11-24
申请人： VISA INT SERVICE ASS , 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： G01P15/00 , G06Q20/00 , H04W4/02
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 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.
摘要翻译：本发明的实施例涉及用于使用具有加速度计的移动设备通过与交互终端进行联系来进行金融交易的系统，装置和方法，从而生成表示移动设备与移动设备之间的物理接触的交互数据交互终端。移动设备可以是移动电话。交互终端可以是销售点终端，接入点设备或位于线路，门，门或入口处的任何其它固定（即固定位置）设备。具有加速度计的移动设备物理地接触交互终端。交互终端弯曲，反冲或移动并生成表示移动设备和交互终端之间的物理交互的交互数据（例如，加速度计，位置，时间数据等）。服务器计算机基于交互数据来确定移动设备和交互终端进行物理接触。在确定移动设备和交互终端进行联系之后，可以在设备之间发起通信。通信可以涉及使用支付处理网络处理支付交易。

13. 发明申请

WO2010129246A3 MERCHANT COMPETITION ALERT 审中-公开
标题翻译：商业竞争报告
公开(公告)号：WO2010129246A3
公开(公告)日：2011-02-17
申请号：PCT/US2010032496
申请日：2010-04-27
申请人： VISA INT SERVICE ASS , 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
CPC分类号： G06Q20/3221 , G06Q20/32 , G06Q30/0251 , G06Q30/0267
摘要： Embodiments of the present invention are directed to a system and method for determining the products involved in a transaction, and transmitting messages containing product specific data. Systems may be implemented to product identifiers during payment processing. The messages may be sent including product identifiers, and further information regarding the products associated with the product identifiers.
摘要翻译：本发明的实施例涉及用于确定交易中涉及的产品的系统和方法，以及发送包含产品特定数据的消息。系统可以在支付处理期间实现到产品标识符。可以发送消息，包括产品标识符，以及关于与产品标识符相关联的产品的进一步信息。

14. 发明申请

WO2010129333A2 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包括客户存在通知的方法
公开(公告)号：WO2010129333A2
公开(公告)日：2010-11-11
申请号：PCT/US2010032756
申请日：2010-04-28
申请人： VISA INT SERVICE ASS , 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
CPC分类号： G06Q20/206 , G06Q30/02 , G06Q30/0201 , G06Q30/0269 , G06Q50/182 , G06Q50/265 , H04L67/22
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：本文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。可以根据客户的特征（包括客户与商家的邻近度）发送商家警报消息。商家可以根据商家警报消息的内容，使用警报消息为客户提供更好的服务或阻止客户从事交易。

15. 发明申请

WO2010124093A2 TRIGGERED ANNOUNCEMENT 审中-公开
标题翻译：触发公告
公开(公告)号：WO2010124093A2
公开(公告)日：2010-10-28
申请号：PCT/US2010032057
申请日：2010-04-22
申请人： VISA USA INC , CARLSON MARK , MOWZOON MAY M
发明人： CARLSON MARK , MOWZOON MAY M
IPC分类号： G06Q30/00
CPC分类号： G06Q30/08
摘要： An announcement distributor distributes, or auctions an opportunity to distribute, an announcement to an announcement recipient such as a consumer, issuer, merchant, or acquirer within a payment processing system. The announcement when there has been a satisfaction of an announcement condition, such as the consumer being determined to be located within a predetermined spatial zone. The content of the announcement may, in turn, facilitate a subsequent cashless transaction for resources of merchants. Implementations describe various permutations of the content of the announcement, the announcement condition, and the announcement recipient.
摘要翻译：公告分销商或拍卖机会向支付处理系统内的消费者，发行人，商家或收单方等公告收件人发布公告。当消息被确定为位于预定空间区域内时已经满足通知条件的公告。该通知的内容反过来可以促进随后的商业资源的无现金交易。实施描述了公告内容，公告条件和公告收件人的各种排列。

16. 发明申请

WO2007149988A2 DISTRIBUTION OF HEALTH INFORMATION FOR PROVIDING HEALTH RELATED SERVICES 审中-公开
标题翻译：分发健康相关服务的健康信息
公开(公告)号：WO2007149988A2
公开(公告)日：2007-12-27
申请号：PCT/US2007071797
申请日：2007-06-21
申请人： VISA INT SERVICE ASS , VISA USA INC , CARLSON MARK , KATZIN EDWARD
发明人： CARLSON MARK , KATZIN EDWARD
IPC分类号： G06F17/30 , G06F17/40 , G06Q50/00
CPC分类号： G06Q50/24 , G06F19/328 , G06Q10/10 , G16H10/60 , G16H10/65
摘要： A method for storage and access to patient information over a payment processing network is disclosed. One embodiment of the invention includes collecting medical information from various medical institutions via a payment processing network, storing the collected medical information at a central location, and providing, upon request, specific medical information to a requester from the stored collected medical information.
摘要翻译：公开了一种通过支付处理网络存储和访问患者信息的方法。本发明的一个实施例包括经由支付处理网络从各医疗机构收集医疗信息，将所收集的医疗信息存储在中心位置，并根据请求从所存储的收集医疗信息向请求者提供特定医疗信息。

17. 发明申请

WO2007002934A3 SCHEMA-BASED DYNAMIC PARSE/BUILD ENGINE FOR PARSING MULTI-FORMAT MESSAGES 审中-公开
标题翻译：基于示意图的动态PARSE / BUILD发动机，用于分配多格式信息
公开(公告)号：WO2007002934A3
公开(公告)日：2009-04-23
申请号：PCT/US2006025893
申请日：2006-06-29
申请人： VISA USA INC , VISA INT SERVICE ASS , SINGH THAKUR L , GARRISON SARA K , CARLSON MARK , SINGH KAMLAKAR , DEVASSEY SHAJEN
发明人： SINGH THAKUR L , GARRISON SARA K , CARLSON MARK , SINGH KAMLAKAR , DEVASSEY SHAJEN
IPC分类号： G06F9/45 , G06F3/00
CPC分类号： H04L51/066 , G06Q20/40 , G06Q30/06 , H04L51/046 , H04L69/03 , H04L69/22
摘要： A parse/build engine that can handle multi-format financial messages. The engine converts the different format messages into a common format, and the common format message is then processed by the business service application. A parser examines the message and determines an appropriate schema for the particular format of message received. The schema is a data structure in a schema registry that includes a grammar structure for the received format as well as pointers to handlers for converting the different fields of the message into the internal message format using the grammar structure (the "grammar" can include field sequence, field type, length, character encoding, optional and required fields, etc.). The handlers are individually compiled. As formats change, new formats or changes to old formats can be dynamically added to the parse/build engine by loading new schema and handlers.
摘要翻译：一个可以处理多格式财务信息的解析/构建引擎。引擎将不同格式的消息转换为通用格式，然后通用格式消息由业务服务应用程序处理。解析器检查消息，并为接收的消息的特定格式确定适当的模式。该模式是模式注册表中的数据结构，其中包含接收格式的语法结构以及使用语法结构将消息的不同字段转换为内部消息格式的处理程序的指针（“语法”可以包括字段序列，字段类型，长度，字符编码，可选和必填字段等）。处理程序是单独编译的。随着格式的变化，新格式或旧格式的更改可以通过加载新的模式和处理程序来动态地添加到解析/构建引擎中。

18. 发明申请

WO2008083105A3 MOBILE COUPON METHOD AND PORTABLE CONSUMER DEVICE FOR UTILIZING SAME 审中-公开
标题翻译：移动电话方法和便携式消费者设备
公开(公告)号：WO2008083105A3
公开(公告)日：2008-10-16
申请号：PCT/US2007088659
申请日：2007-12-21
申请人： VISA USA INC , CARLSON MARK , CIUREA PETER
发明人： CARLSON MARK , CIUREA PETER
IPC分类号： G06F3/00 , G06Q30/00
CPC分类号： G06Q20/387 , G06Q30/02 , G06Q30/0225 , G06Q30/0239
摘要： Embodiments of the present invention relate to systems and methods involving mobile coupons. In one embodiment, an indication of a prior purchase transaction over a payment processing network, serves as a trigger to generate and disseminate a mobile coupon for a subsequent transaction. By generating and promulgating the coupon within a limited time of the first transaction, the recipient is disposed to be receptive based upon his or her current shopping status and also possibly geographic location. According to another embodiment, information from a mobile coupon may be presented from the consumer to a merchant in a contactless manner, utilizing an antenna of a portable device operated by a consumer. Coupon information may be communicated to the merchant with the payment information, or prior to or subsequent to transmission of the payment information to the merchant.
摘要翻译：本发明的实施例涉及涉及移动优惠券的系统和方法。在一个实施例中，通过支付处理网络的先前购买交易的指示用作生成和传播随后交易的移动优惠券的触发器。通过在第一次交易的有限时间内生成和发布优惠券，接收者被设置为基于他或她当前的购物状态以及可能的地理位置接受。根据另一实施例，利用由消费者操作的便携式设备的天线，来自移动优惠券的信息可以以无接触的方式从消费者呈现给商家。优惠券信息可以用支付信息，或者在向商家发送支付信息之前或之后传送给商家。

19. 发明申请

WO2011119591A3 MERCHANT CONFIGURED ADVERTISED INCENTIVES FUNDED THROUGH STATEMENT CREDITS 审中-公开
标题翻译：通过声明资料资助的商业配置广告激励
公开(公告)号：WO2011119591A3
公开(公告)日：2012-03-15
申请号：PCT/US2011029401
申请日：2011-03-22
申请人： VISA USA INC , MACILWAINE JOHN HAMILTON , STAN PATRICK , KESHAN SURENDRA , CARLSON MARK
发明人： MACILWAINE JOHN HAMILTON , STAN PATRICK , KESHAN SURENDRA , CARLSON MARK
IPC分类号： G06Q30/00 , G06Q20/00
CPC分类号： G06Q20/387 , G06Q30/02 , G06Q30/0215
摘要： An advertised incentive system receives advertised incentive configuration information provided by a merchant. The advertised incentive configuration information defines the content of advertised incentive banners. The advertised incentive banners are provided as needed to merchants to display on the merchant's website. Advertised incentive registration information is received from an account holder after the account holder interacts with the advertised incentive banner. Transaction information is received that contains a qualified purchase made by the account holder. The advertised incentive registration and the qualified purchase are matched. A statement credit is issued against the account holder's account and a debit is issued against the merchant's account in the amount of the statement credit.
摘要翻译：广告激励系统接收由商家提供的广告激励配置信息。广告激励配置信息定义了广告激励横幅的内容。广告的激励横幅是根据需要提供给商家在商家的网站上展示的。帐户持有人与广告激励横幅互动后，从帐户持有人收到广告激励注册信息。收到包含由账户持有人进行的合格购买的交易信息。广告激励注册和合格购买相匹配。对帐户持有人的帐户发出一张报表信用额，并以商誉账户的金额发出借方。

20. 发明申请

WO2009158590A3 SYSTEMS AND METHODS FOR VISUAL REPRESENTATION OF OFFERS 审中-公开
标题翻译：提供视觉表示的系统和方法
公开(公告)号：WO2009158590A3
公开(公告)日：2010-03-25
申请号：PCT/US2009048813
申请日：2009-06-26
申请人： VISA INT SERVICE ASS , CARLSON MARK , FAITH PATRICK
发明人： CARLSON MARK , FAITH PATRICK
IPC分类号： G06Q30/00
CPC分类号： G06Q30/0224 , G06Q30/02 , G06Q30/0222 , G06Q30/0225 , G06Q30/0251 , G06Q30/0252 , G06Q30/0255 , G06Q50/188 , G09B29/007
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.
摘要翻译：公开了一种用于为目标提供提供地理位置通知的方法和系统。本发明的一个实施例涉及一种方法，包括监视事件以触发目标提议。一旦检测到事件，生成报价。该提议针对消费者，并且是使用响应于消费者与多个不同商家进行的交易产生的支付数据而生成的。确定要兑换优惠的地理位置。生成关于报价的通知消息。通知消息包括优惠和兑换优惠的地理位置。通知消息被发送到由消费者操作的通知设备。报价的图形显示在通知设备的地图上。

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