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21. 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。

22. 发明申请

WO2010129300A3 FRAUD AND REPUTATION PROTECTION USING ADVANCED AUTHORIZATION AND RULES ENGINE 审中-公开
标题翻译：使用高级授权和规则发动机的防范和声明保护
公开(公告)号：WO2010129300A3
公开(公告)日：2011-01-20
申请号：PCT/US2010032611
申请日：2010-04-27
申请人： VISA INT SERVICE ASS , CARLSON MARK , STAN PATRICK , FAITH PATRICK L , HAMMAD AYMAN , REWIS BEN
发明人： CARLSON MARK , STAN PATRICK , FAITH PATRICK L , HAMMAD AYMAN , REWIS BEN
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 and methods are presented for analyzing a credit card or other financial transaction and, based on whether a score for the transaction meets or exceeds a user-selected threshold, sending a transaction notification message to a consumers electronic device such as a cell phone.
摘要翻译：呈现用于分析信用卡或其他金融交易的系统和方法，并且基于交易的分数是否满足或超过用户选择的阈值，向诸如手机的消费者电子设备发送交易通知消息。

23. 发明申请

WO2010129245A2 SKU LEVEL CONTROL AND ALERTS 审中-公开
标题翻译： SKU级控制和警报
公开(公告)号：WO2010129245A2
公开(公告)日：2010-11-11
申请号：PCT/US2010032495
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： G06Q20/00 , G06Q30/00
CPC分类号： G06Q20/425 , G06Q20/10 , G06Q20/32 , G06Q20/3221 , G06Q20/3223 , G06Q20/42
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：本发明的实施例涉及一种用于确定与支付帐户的辅助用户进行的交易相关的产品的系统和方法，以及发送包含产品特定信息的消息。可以实现系统以在支付处理期间传送商品标识符。产品特定信息可能包含在发送到帐户持有人的警报消息中。

24. 发明申请

WO2009158569A3 MOBILE COMMUNICATION DEVICE CONFIGURED FOR TRANSIT APPLICATION 审中-公开
标题翻译：配置用于过境应用的移动通信设备
公开(公告)号：WO2009158569A3
公开(公告)日：2010-04-22
申请号：PCT/US2009048778
申请日：2009-06-26
申请人： VISA INT SERVICE ASS , CARLSON MARK , STAN PATRICK
发明人： CARLSON MARK , STAN PATRICK
IPC分类号： G06Q50/00 , G06Q20/00 , G07B15/02 , H04W88/02
CPC分类号： H04M15/68 , G06Q20/32 , G06Q20/3224 , G06Q30/0284 , G06Q30/06 , G06Q50/30 , H04M15/00 , H04M17/00 , H04M2215/0196 , H04W4/24
摘要： An apparatus configured for transit application and methods for utilizing the apparatus for transit application is disclosed. One embodiment of the invention is directed to a mobile communication device comprising a processor, a computer readable medium coupled to the processor, wherein the computer readable medium comprises code for receiving a first transit location, code for displaying options to select a second transit location, code for receiving a selection for a second transit location, and code for sending an authorization request message to an issuer associated with the mobile communication device.
摘要翻译：公开了一种配置用于中转应用的装置以及利用该转接装置的方法。本发明的一个实施例涉及包括处理器，耦合到处理器的计算机可读介质的移动通信设备，其中所述计算机可读介质包括用于接收第一转接位置的代码，用于显示用于选择第二过境位置的选项的代码，用于接收第二过境位置的选择的代码，以及用于向与移动通信设备相关联的发行者发送授权请求消息的代码。

25. 发明申请

WO2012061758A3 SYSTEMS AND METHODS TO REWARD USER INTERACTIONS 审中-公开
标题翻译：提供用户互动的系统和方法
公开(公告)号：WO2012061758A3
公开(公告)日：2013-06-06
申请号：PCT/US2011059410
申请日：2011-11-04
申请人： VISA INT SERVICE ASS , CARLSON MARK , STAN PATRICK , MACILLWAINE JOHN HAMILTON
发明人： CARLSON MARK , STAN PATRICK , MACILLWAINE JOHN HAMILTON
IPC分类号： G06Q30/00
CPC分类号： G06Q30/0215 , G06F17/30563 , G06Q20/10 , G06Q30/02 , G06Q30/0224 , G06Q30/0226 , G06Q30/0236 , G06Q30/0269
摘要： In one aspect, a system includes a transaction handler, a data warehouse to store transaction data recording transactions processed at the transaction handler and to store account data identifying an account of a user, and a portal to receive a user selection of a first portion of an advertisement announcing a reward. The portal is to track user interactions associated with the advertisement to determine whether the user is qualified for the reward. Upon a determination that the user has completed the user interactions for the reward, the transaction handler is to provide the reward to the account of the user via statement credit.
摘要翻译：一方面，系统包括事务处理程序，用于存储在事务处理程序处理的事务数据记录事务和存储识别用户帐户的帐户数据的数据仓库，以及用于接收用户对第一部分的第一部分的用户选择的门户宣传奖励的广告该门户是跟踪与广告相关联的用户交互，以确定用户是否符合奖励条件。在确定用户已经完成用于奖励的用户交互时，交易处理者将通过声明信用来向用户的账户提供奖励。

26. 发明申请

WO2010129202A3 MULTIPLE AGGREGATOR SUPPORT 审中-公开
标题翻译：多种聚类器支持
公开(公告)号：WO2010129202A3
公开(公告)日：2011-02-17
申请号：PCT/US2010032250
申请日：2010-04-23
申请人： VISA INT SERVICE ASS , 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。

27. 发明申请

WO2011028363A2 ALIAS IDENTITY AND REPUTATION VALIDATION ENGINE 审中-公开
标题翻译：别名识别和声誉确认引擎
公开(公告)号：WO2011028363A2
公开(公告)日：2011-03-10
申请号：PCT/US2010044692
申请日：2010-08-06
申请人： VISA INT SERVICE ASS , CARLSON MARK , STAN PATRICK , FAITH PATRICK , REWIS BENJAMIN
发明人： CARLSON MARK , STAN PATRICK , FAITH PATRICK , REWIS BENJAMIN
IPC分类号： G06Q30/00 , G06Q10/00 , G06Q50/00
CPC分类号： G06Q30/0609 , G06Q20/10 , G06Q20/385 , G06Q20/40 , G06Q30/02 , G06Q30/06 , G06Q30/0601
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.
摘要翻译：提供了用于确定声誉信息的方法和系统。该方法包括分析与实体相关联的别名的事务性和非事务性信息并确定该别名的信誉信息。信誉信息可跨多个域进行传输。用户可以在与该实体开展业务之前请求关于该实体的信誉信息。信誉信息是为商家和用户生成的。系统可以为每个要在两个或更多别名之间进行的交易生成交易风险分数。该系统包括别名身份和信誉确认服务器计算机，该计算机接收来自各种外部系统的输入并基于输入生成信誉信息。此外，每个个人用户/商户都可以在信誉数据库中管理他的个人资料，并手动输入一些信息。

28. 发明申请

WO2010036915A3 REAL-TIME STATEMENT CREDITS AND NOTIFICATIONS 审中-公开
标题翻译：实时报表和通知
公开(公告)号：WO2010036915A3
公开(公告)日：2010-07-01
申请号：PCT/US2009058412
申请日：2009-09-25
申请人： VISA INT SERVICE ASS , CARLSON MARK , KESHAN SURENDRA , TRIFILETTI GREG , MIRIZZI JOE , HARIRAMANI PRAKASH PREM , WHITE LAUREN , STAN PATRICK , MACLLWAINE JOHN
发明人： CARLSON MARK , KESHAN SURENDRA , TRIFILETTI GREG , MIRIZZI JOE , HARIRAMANI PRAKASH PREM , WHITE LAUREN , STAN PATRICK , MACLLWAINE JOHN
IPC分类号： G06Q40/00
CPC分类号： G06Q20/387 , G06Q20/04 , G06Q30/0215 , G06Q30/0222 , G06Q40/00
摘要： One embodiment of the invention is directed to a server computer comprising a processor and a computer readable medium coupled to the processor. The computer readable medium comprises code for receiving transaction data indicating that a payment transaction associated with a primary account number has occurred and matches a trigger record, code for determining whether the payment transaction qualifies for a credit, code for initiating a credit to an account associated with the primary account number, if the payment transaction qualifies for a credit, and code for sending an electronic notification message to a consumer associated with the primary account number substantially contemporaneously with receiving the transaction data. The electronic notification message includes information about a first offer and that the primary account was credited the amount of the first offer. For example, transaction data is received indicating that a consumer made a purchase with his credit card. If the purchase was in accordance with a previously sent offer, the consumer's account associated with the credit card is credited and the consumer is immediately notified that the account was credited.
摘要翻译：本发明的一个实施例涉及一种包括处理器和耦合到处理器的计算机可读介质的服务器计算机。计算机可读介质包括用于接收指示与主帐号相关联的支付交易已经发生并且匹配触发记录的代码，用于确定支付交易是否符合信用证的代码，用于发起相关帐户的信用的代码如果支付交易有资格获得信用，以及用于与接收交易数据同时发送电子通知消息给与主帐户相关联的消费者的代码。电子通知消息包括关于第一个报价的信息，并且主要帐户被记入第一个报价的数量。例如，接收到交易数据，指示消费者用他的信用卡进行购买。如果购买与先前发送的报价相符，则与信用卡相关联的消费者账户被记入贷方，并立即通知消费者帐户被记入贷方。

29. 发明申请

WO2010036677A3 SYSTEMS AND METHODS FOR SORTING ALERT AND OFFER MESSAGES ON A MOBILE DEVICE 审中-公开
标题翻译：用于在移动设备上分配警报和提供消息的系统和方法
公开(公告)号：WO2010036677A3
公开(公告)日：2010-06-03
申请号：PCT/US2009057969
申请日：2009-09-23
申请人： VISA INT SERVICE ASS , CARLSON MARK , BEBENITA DAN , KESHAN SURENDRA , STAN PATRICK
发明人： CARLSON MARK , BEBENITA DAN , KESHAN SURENDRA , STAN PATRICK
IPC分类号： H04W4/12 , G06Q50/00 , H04W88/02
CPC分类号： H04M1/72552 , G06Q20/3227 , H04L12/1895 , H04L51/14 , H04L51/38 , H04M15/844 , H04W4/12
摘要： A method and system for sorting alert and offer messages on a mobile device. One embodiment of the invention is directed to a method including receiving alert messages at a mobile device where each alert message contains transaction data associated with a transaction conducted with a merchant. Upon receiving the alert messages, the mobile device receives alert message sorting criteria from a user associated with the mobile device, sorts the alert messages according to the received offer sorting criteria, and displays the sorted alert messages.
摘要翻译：一种在移动设备上排序警报和提供消息的方法和系统。本发明的一个实施例涉及一种方法，包括在移动设备处接收警报消息，其中每个警报消息包含与与商家进行的交易相关联的交易数据。在接收到警报消息之后，移动设备从与移动设备相关联的用户接收警报消息排序标准，根据接收的报价排序标准对警报消息进行排序，并显示排序的警报消息。

30. 发明专利

CA2655423C TRANSACTION AUTHENTICATION USING NETWORK 未知
公开(公告)号：CA2655423C
公开(公告)日：2017-12-12
申请号：CA2655423
申请日：2007-06-18
申请人： VISA USA INC
发明人： HAMMAD AYMAN , FAITH PATRICK , CARLSON MARK
IPC分类号： H04W12/06 , G06Q20/40
摘要： Systems and method for improved consumer and portable consumer device authentication are disclosed. Such systems and methods may include using dynamic verification values, challenge questions, and consumer notification as ways to prevent fraudulent transactions from being conducted.

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