专利快速检索-快速检索全球专利，免费商用专利数据库-IPRDB

21. 发明申请

WO2010053914A2 SYSTEM INCLUDING AUTOMATED TELLER MACHINE WITH DATA BEARING MEDIUM 审中-公开
标题翻译：系统包括带数据承载介质的自动柜员机
公开(公告)号：WO2010053914A2
公开(公告)日：2010-05-14
申请号：PCT/US2009/063113
申请日：2009-11-03
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark , FAITH, Patrick
发明人： CARLSON, Mark , FAITH, Patrick
IPC分类号： G07F19/00
CPC分类号： G06Q40/02 , G06Q30/02 , G06Q30/0205 , G06Q30/0207
摘要： Embodiments of the present invention relate to systems and methods of providing customized offers to a consumer at an automated teller machine. The automated teller machine comprises a processor, a computer readable medium coupled to the processor, an output device coupled to the processor, and a reader coupled to the processor. The computer readable medium comprises code for receiving data from a portable ATM device and code for receiving a customized offer after receiving data from the portable ATM device.
摘要翻译：本发明的实施例涉及在自动柜员机处向消费者提供定制报价的系统和方法。该自动柜员机包括处理器，耦合到处理器的计算机可读介质，耦合到处理器的输出装置和耦合到处理器的读取器。计算机可读介质包括用于从便携式ATM装置接收数据的代码和用于在从便携式ATM装置接收数据之后接收定制报价的代码。

22. 发明申请

WO2009158570A2 SYSTEMS AND METHODS FOR GEOGRAPHIC LOCATION NOTIFICATIONS OF PAYMENT TRANSACTIONS 审中-公开
标题翻译：支付交易地理位置通知系统与方法
公开(公告)号：WO2009158570A2
公开(公告)日：2009-12-30
申请号：PCT/US2009/048780
申请日：2009-06-26
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark , FAITH, Patrick
发明人： CARLSON, Mark , FAITH, Patrick
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/3226 , G06Q20/04 , G06Q20/12 , G06Q20/20 , G06Q20/32 , G06Q20/3223 , G06Q20/3224 , G06Q20/325 , G06Q20/3255 , G06Q20/341 , G06Q20/347 , G06Q20/354 , G06Q20/40 , G06Q20/425 , G07F7/08
摘要： A method and system for providing geographic location notifications of payment transactions is disclosed. One embodiment of the invention is directed to a method including receiving an authorization request message associated with a transaction, the transaction associated with a portable consumer device and an access device at a merchant. A geographic location of the transaction is determined. It is determined whether a notification message indicating that the transaction is occurring is required. Upon determining that the notification message is required, the notification message is sent to a notification device operated by a consumer and the notification device receives the notification message substantially simultaneously with the merchant's receipt of an authorization response message. A graphical depiction of the notification message is displayed on a map on the notification device.
摘要翻译：公开了一种用于提供支付交易的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，包括接收与交易相关联的授权请求消息，与便携式消费者设备相关联的交易以及商家处的访问设备。确定交易的地理位置。确定是否需要指示事务正在发生的通知消息。在确定需要通知消息时，通知消息被发送到由消费者操作的通知设备，并且通知设备基本上同时与商家的授权响应消息的接收同时接收通知消息。在通知装置的地图上显示通知消息的图形描述。

23. 发明申请

WO2009003030A3 SECURE MOBILE PAYMENT SYSTEM 审中-公开
标题翻译：安全移动支付系统
公开(公告)号：WO2009003030A3
公开(公告)日：2008-12-31
申请号：PCT/US2008/068172
申请日：2008-06-25
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark
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.
摘要翻译：本发明提供了一种用于进行交易的方法，该方法包括接收对应于主账户标识符的伪账户标识符。伪账户标识符可以在便携式无线设备处被接收并且可以由远程服务器计算机生成。便携式无线设备可以通过第一网络接收伪账户标识符，并将伪账户标识符提供给接入设备。访问设备通常包括能够接收伪账户标识符的读取器，并且此后发送消息以请求对事务的授权。授权请求消息可以包括伪账户标识符并被发送到支付处理网络。授权请求消息通过第二网络发送到支付处理网络。支付处理网络然后可以处理授权消息并返回指示交易是否被授权的响应。

24. 发明申请

WO2011127408A1 SYSTEM AND METHOD FOR MANAGING TAILORED MARKETING TO USERS OF WIRELESS DEVICES 审中-公开
标题翻译：用于管理无线设备用户的定制营销的系统和方法
公开(公告)号：WO2011127408A1
公开(公告)日：2011-10-13
申请号：PCT/US2011/031793
申请日：2011-04-08
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , FAITH, Patrick , CARLSON, Mark , KOGANTI, Krishna
发明人： FAITH, Patrick , CARLSON, Mark , KOGANTI, Krishna
IPC分类号： G06Q30/00 , G06Q10/00
CPC分类号： G06Q20/32 , G06Q20/3223 , G06Q30/02 , G06Q30/0244 , G06Q30/0246
摘要： A system for managing tailored marketing to users of wireless devices adapted to wirelessly access a computer network. The system includes a user database storing a plurality of user data, each user data including a user identifier and a device identifier that identifies a wireless device of a user. A management module transmits marketing information to a selected wireless device, and receives an identifier of a financial account that was used to perform a financial transaction in response to the marketing information transmitted to the selected wireless device. The module stores this identifier in the user database so as to associate the selected wireless device to the received financial account identifier. The financial account identifier can now be used to obtain personal information about the user such as the user's purchase history to generate tailored marketing information to the selected wireless device.
摘要翻译：一种适用于无线访问计算机网络的无线设备的用户的定制营销的系统。该系统包括存储多个用户数据的用户数据，每个用户数据包括用户标识符和标识用户的无线设备的设备标识符。管理模块将营销信息发送到所选择的无线设备，并且响应于发送到所选择的无线设备的营销信息，接收用于执行金融交易的金融账户的标识符。该模块将该标识符存储在用户数据库中，以便将所选择的无线设备与所接收的财务帐户标识符相关联。现在可以使用金融帐户标识符来获取关于用户的个人信息，例如用户的购买历史，以向所选择的无线设备生成定制的营销信息。

25. 发明申请

WO2010129282A2 ALERT ARCHITECTURE 审中-公开
标题翻译：警示架构
公开(公告)号：WO2010129282A2
公开(公告)日：2010-11-11
申请号：PCT/US2010/032583
申请日：2010-04-27
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman , CARLSON, Mark
发明人： HAMMAD, Ayman , CARLSON, Mark
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, architecture of the systems, and methods for generating alert message are disclosed. A user enrolls in an alert messaging service. Information that the user provides during an 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 alert message is generated based on the transaction data and the alert customization data. The alert message is sent to a user device. The systems, resources and processes responsible for performing the transaction and providing the alert messages are separated so that the transaction processing and alert generation are performed in parallel by systems in communication with each other. Utilizing such method prevents the transaction processing system from being overloaded with additional processes, while maintains a desired level of efficiency, security and reliability of the payment processing system.
摘要翻译：公开了系统，系统的架构和用于生成警报消息的方法。用户注册一个警报消息服务。在注册过程期间用户提供的信息被发送到数据库中，用户使用便携式消费者设备来执行交易。事务数据被发送到计算机装置。计算机装置访问包含警报定制数据的数据库。基于事务数据和警报定制数据生成警报消息。警报消息被发送到用户设备。负责执行事务和提供警报消息的系统，资源和过程被分离，使得通过彼此通信的系统并行执行事务处理和警报生成。利用这种方法防止事务处理系统由于额外的过程而过载，同时保持支付处理系统的期望的效率水平，安全性和可靠性。

26. 发明申请

WO2010129245A3 SKU LEVEL CONTROL AND ALERTS 审中-公开
标题翻译： SKU级别控制和警报
公开(公告)号：WO2010129245A3
公开(公告)日：2010-11-11
申请号：PCT/US2010/032495
申请日：2010-04-27
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： G06Q20/00 , G06Q30/00
摘要： Embodiments of the present invention are directed to a system and method for determining the products involved in a transaction conducted with a subsidiary user of a payment account, and transmitting messages containing product specific information. Systems may be implemented to transmit product identifiers during payment processing. The product specific information may be included in alert messages sent to an account holder.
摘要翻译：本发明的实施例针对用于确定涉及与支付账户的辅助用户进行的交易中的产品并传送包含产品特定信息的消息的系统和方法。可以实施系统以在支付处理期间传输产品标识符。产品特定信息可能包含在发送给帐户持有人的警报消息中。

27. 发明申请

WO2010129202A2 MULTIPLE AGGREGATOR SUPPORT 审中-公开
标题翻译：多种聚类器支持
公开(公告)号：WO2010129202A2
公开(公告)日：2010-11-11
申请号：PCT/US2010/032250
申请日：2010-04-23
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark , STAN, Patrick
发明人： CARLSON, Mark , STAN, Patrick
IPC分类号： H04L12/66 , H04L9/32 , H04L12/58
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, methods and communication gateways for delivering timely, cost efficient and scalable user alert messages are disclosed. Using electronic communication media, user alert messages are generated by a communication gateway at the request of a requesting entity, such as a credit card issuer. The alert message is associated with a message identifier and then routed to one or more message aggregators based on the content of the alert message initiation request and a routing table. If the first selection of message aggregators is not available or otherwise unable to deliver the user alert message, then the communication gateway can reroute the user alert message to another message aggregator or queue the message for later delivery. The communication gateway can monitor and log the status and ability of the servicing message aggregator in the routing table to better facilitate timely delivery of the user alert messages.
摘要翻译：公开了用于提供及时，成本效益和可扩展的用户警报消息的系统，方法和通信网关。使用电子通信媒体，通过请求实体（例如信用卡发行者）的请求，由通信网关生成用户警报消息。警报消息与消息标识符相关联，然后基于警报消息发起请求和路由表的内容路由到一个或多个消息聚合器。如果消息聚合器的第一选择不可用或以其他方式不能传递用户警报消息，则通信网关可以将用户警报消息重新路由到另一个消息聚合器或者将该消息排队以供以后传送。通信网关可以在路由表中监视和记录服务消息聚合器的状态和能力，以更好地促进用户警报消息的及时传递。

28. 发明申请

WO2010129201A3 ALERTS LIFE CYCLE 审中-公开
标题翻译：警报生命周期
公开(公告)号：WO2010129201A3
公开(公告)日：2010-11-11
申请号：PCT/US2010/032239
申请日：2010-04-23
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark , HAMMAD, Ayman
发明人： CARLSON, Mark , HAMMAD, Ayman
IPC分类号： G06Q50/00 , G06F17/00
摘要： Server computers and methods for updating or changing user alert message settings when changes are made to one or more user accounts are disclosed. The change in the user accounts can include transfers of a user account or user account identifier from one user account issuer to another user account issuer. The change in user accounts can be initiated by a user or issuer associated with the user account. When changes are made to the user accounts or changes are made to the user alert message settings, the server computer can confirm the changes with the user or issuer associated with the user accounts that are changed.
摘要翻译：披露了当对一个或多个用户帐户进行更改时更新或更改用户警报消息设置的服务器计算机和方法。用户账户中的改变可以包括将用户账户或用户账户标识符从一个用户账户发行者转移到另一个用户账户发行者。用户帐户中的更改可以由与该用户帐户关联的用户或发行人发起。当更改用户帐户或对用户警报消息设置进行更改时，服务器计算机可以确认与更改的用户帐户关联的用户或颁发者所做的更改。

29. 发明申请

WO2010123843A3 OBSERVABLE MOMENT ENCRYPTION 审中-公开
公开(公告)号：WO2010123843A3
公开(公告)日：2010-10-28
申请号：PCT/US2010/031669
申请日：2010-04-20
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , FAITH, Patrick , CARLSON, Mark
发明人： FAITH, Patrick , CARLSON, Mark
IPC分类号： G06K19/00 , G06F21/00 , G06Q20/00
摘要： A method, system and apparatus for encrypting a consumer identification number contained in a portable consumer device by gradually changing a consumer identification number when an observable moment is observed is disclosed. Observable moments can be exposure to light or an electromagnetic field, use of the portable consumer device or a change in temperature. A pattern or history of how the consumer identification number is gradually changed is used to authenticate the portable consumer device or the consumer.

30. 发明申请

WO2010045108A2 P2P TRANSFER USING PREPAID CARD 审中-公开
标题翻译： P2P传输使用预付卡
公开(公告)号：WO2010045108A2
公开(公告)日：2010-04-22
申请号：PCT/US2009/060116
申请日：2009-10-09
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark , KESHAN, Surendra
发明人： CARLSON, Mark , KESHAN, Surendra
IPC分类号： G06Q20/00
CPC分类号： G06Q20/223 , G06Q20/10 , G06Q20/105 , G06Q20/28 , G06Q20/40 , G06Q40/02
摘要： A method and system for making a payment is disclosed. In the method, a Payor can specify an account from which to withdraw funds for the payment and specify an activation code necessary to activate the payment. The payment can be sent to a Payee in the form of a pre-paid transaction account. The account will not be activated unless the Payee provides the activation code. Funds can be withdrawn from the account specified by the Payor either in full at the time the payment is made or are withdrawn as the Payee uses the transaction account to access the funds.
摘要翻译：公开了一种用于进行支付的方法和系统。在该方法中，支付人可以指定从中提取用于支付的账户并指定激活支付所需的激活码。支付可以以预付费交易账户的形式发送给收款人。除非收款人提供激活码，否则该账户将不会被激活。资金可以在付款时完全支付，或者在收款人使用交易账户获取资金时撤回。

你已经成功收藏专利！

检索式保存成功!

IPRDB

热门服务

关于我们

友情链接

联系方式