专利快速检索-快速检索全球专利，免费商用专利数据库-IPRDB

41. 发明申请

WO2012092293A2 MIXED MODE TRANSACTION PROTOCOL 审中-公开
标题翻译：混合模式交易协议
公开(公告)号：WO2012092293A2
公开(公告)日：2012-07-05
申请号：PCT/US2011/067421
申请日：2011-12-27
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman , FAITH, Patrick
发明人： HAMMAD, Ayman , FAITH, Patrick
IPC分类号： H04W92/18 , G06Q20/10 , H04W88/02
CPC分类号： G06Q20/32 , G06Q20/20 , G06Q20/382 , G06Q20/425
摘要： As opposed to using one type of technology from the beginning of a transaction to the end of a transaction at the point of sale, embodiments of the present invention are related to useful techniques for conducting mixed mode transactions. A mixed mode transaction combines at least two modes of communication used in transaction processing. A transaction may start by initiating the transaction using a first communication mode between a first device and a second device. The first device may be a consumers mobile device, and the device may be a merchant access device or point of sale terminal. To continue the transaction, a second mode of communication may be initiated. The second mode of communication may be dependent on the first mode or independent. The first and second modes of communication may operated simultaneously. The first and second communications modes may be a physical interaction-based mode, a contact or contactless chip mode, a Bluetooth mode, a WiFi mode, an infrared (IR) mode, or any other suitable communication mode.
摘要翻译：与在销售点从交易开始到交易结束使用一种类型的技术相反，本发明的实施例涉及用于进行混合模式交易的有用技术。混合模式事务将事务处理中使用的至少两种通信模式相结合。事务可以通过在第一设备和第二设备之间使用第一通信模式启动事务来开始。第一设备可以是消费者移动设备，并且设备可以是商家接入设备或销售点终端。为了继续交易，可以启动第二种通信模式。第二种通信模式可能取决于第一种模式或独立的。第一和第二种通信模式可以同时运行。第一和第二通信模式可以是基于物理交互的模式，联系人或非接触芯片模式，蓝牙模式，WiFi模式，红外（IR）模式或任何其他合适的通信模式。

42. 发明申请

WO2011123553A2 CRACK EMBOSSING USING DIAMOND TECHNOLOGY 审中-公开
标题翻译：使用金刚石技术的破裂
公开(公告)号：WO2011123553A2
公开(公告)日：2011-10-06
申请号：PCT/US2011/030562
申请日：2011-03-30
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , FAITH, Patrick
发明人： FAITH, Patrick
IPC分类号： B42D15/10 , B32B17/06 , B32B38/06 , B32B5/00
CPC分类号： B42D25/373 , B32B2250/02 , B32B2255/10 , B32B2255/28 , B32B2425/00 , B42D25/00 , B42D25/285 , B42D25/318 , B42D2033/32 , G06K19/02 , G07D7/02 , Y10T428/24471
摘要： A portable consumer device having a substrate layer, a protective layer and a diamond-based brittle material layer having an intentionally created unique fissure or cracked patterns or crystal zone boundaries and systems and methods for making and using same are disclosed. The diamond-based brittle material layer includes a diamond material. The unique random fissure or cracked pattern and crystal zone boundaries, or the electromagnetic signature based thereon, of the brittle material layer are detected and used to authenticate the portable consumer device.
摘要翻译：公开了具有有意创造的独特的裂缝或裂纹图案或晶体区边界的基底层，保护层和金刚石基脆性材料层的便携式消费装置，以及用于制造和使用它们的系统和方法。基于金刚石的脆性材料层包括金刚石材料。检测脆性材料层中独特的随机裂缝或裂纹图案和晶体区边界或基于其的电磁特征，并将其用于认证便携式消费装置。

43. 发明申请

WO2010129571A2 DEMOGRAPHIC ANALYSIS USING TIME-BASED CONSUMER TRANSACTION HISTORIES 审中-公开
标题翻译：使用基于时间的消费者交易历史的人口统计分析
公开(公告)号：WO2010129571A2
公开(公告)日：2010-11-11
申请号：PCT/US2010/033578
申请日：2010-05-04
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , FAITH, Patrick , SIEGEL, Kevin P. , ZHONGXIAO, Jiang
发明人： FAITH, Patrick , SIEGEL, Kevin P. , ZHONGXIAO, Jiang
IPC分类号： G06Q10/00 , G06Q50/00
CPC分类号： G06Q20/4016 , G06Q10/04 , G06Q10/06375 , G06Q20/40 , G06Q30/02 , G06Q30/0202 , G06Q30/0204 , G06Q30/0205 , G06Q30/0224 , G06Q30/0269 , G06Q40/00 , G06Q40/12
摘要： Systems, apparatus, and methods for determining groups of similar consumers and for identifying a trend in consumer behavior are provided. Likelihoods of a transaction being initiated at various times by one consumer can be calculated based on previous transactions of the consumer. The likelihoods for different consumers can be used to determine a group of similar consumers as a demographic. The likelihoods of a transaction being initiated at various times by a consumer of a demographic (or other entity) can be used to forecast trends (such as a demand for a product) and make business decisions, such as for marketing campaigns, inventory levels (e.g. at particular stores or for all stores), pricing, and store locations. Such likelihoods when focused to a particular category of transactions can provide even greater accuracy.
摘要翻译：提供了用于确定类似消费者群体并识别消费者行为趋势的系统，装置和方法。可以根据消费者的先前交易来计算在一个消费者的不同时间发起的交易的可能性。不同消费者的可能性可用于确定一组类似消费者的人口。消费者可以使用人口统计（或其他实体）在不同时间启动交易的可能性来预测趋势（例如对产品的需求）并做出业务决策，例如营销活动，库存水平（例如在特定商店或所有商店），定价和商店位置。当专注于特定类别的交易时，这种可能性可以提供更高的准确性。

44. 发明申请

WO2005004026A1 METHOD AND SYSTEM FOR PROVIDING RISK INFORMATION IN CONNECTION WITH TRANSACTION PROCESSING 审中-公开
标题翻译：提供与交易处理有关的风险信息的方法和系统
公开(公告)号：WO2005004026A1
公开(公告)日：2005-01-13
申请号：PCT/US2004/021392
申请日：2004-07-01
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , VISA U.S.A. INC. , BRUESEWITZ, Belva J. , HILGERS, Nancy , FAITH, Patrick , SIEGEL, Kevin , LI, Xiaoli , KOGANTI, Kris , O'CONNELL, Craig
发明人： BRUESEWITZ, Belva J. , HILGERS, Nancy , FAITH, Patrick , SIEGEL, Kevin , LI, Xiaoli , KOGANTI, Kris , O'CONNELL, Craig
IPC分类号： G06F17/60
CPC分类号： G06Q20/4016 , G06Q20/04 , G06Q20/382 , G06Q20/40 , G06Q20/403 , G06Q20/409 , G06Q40/025 , G06Q40/08
摘要： A system for providing real-time risk mitigation for an authorization system (100). The system (100) receives authorization requests from multiple merchants (102) (or their respective acquirers) and processes such requests. Each processed request is then forwarded to its corresponding issuer (120) for further authorization. Each processed request includes an authorization message. The authorization message can include a risk score, a number of reason codes, and a number of condition codes. The use of the risk score, reason codes and condition codes allows issuers (120) to make better informed decisions with respect to providing authorizations.
摘要翻译：一种用于为授权系统（100）提供实时风险缓解的系统。系统（100）接收来自多个商户（102）（或其各自的获取者）的授权请求并处理这些请求。然后将每个被处理的请求转发给其对应的发行者（120）以供进一步授权。每个被处理的请求都包含一个授权消息。授权消息可以包括风险分数，原因代码的数量和条件代码的数量。使用风险分数，原因代码和条件代码，允许发行人（120）在提供授权方面做出更明智的决定。

45. 发明申请

WO2013006822A1 IMAGE-BASED PRODUCT MAPPING 审中-公开
标题翻译：基于图像的产品映射
公开(公告)号：WO2013006822A1
公开(公告)日：2013-01-10
申请号：PCT/US2012/045822
申请日：2012-07-06
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , FAITH, Patrick
发明人： FAITH, Patrick
IPC分类号： G06Q30/06 , G06F17/30 , G06Q10/08
CPC分类号： G06F17/30247 , G06F17/30265 , G06F17/3087 , G06Q30/06 , G06Q30/0623 , G06Q30/0639 , G06Q30/0643
摘要： Methods, systems, computer-readable media, and apparatuses for image-based product mapping are presented. In some embodiments, a server computer may receive, from a first computing device, a first image and information identifying a first location at which the first image was captured. The first image may include a first product. Subsequently, the server computer may receive, from a second computing device, a second image and information identifying a second location at which the second image was captured. The second image may include a second product, and the second location may be different from the first location. The server computer then may analyze the first image to identify the first product and the second image to identify the second product. Thereafter, the server computer may store, in at least one database, first information associating the first product with the first location, and second information associating the second product with the second location.
摘要翻译：提出了基于图像的产品映射的方法，系统，计算机可读介质和装置。在一些实施例中，服务器计算机可以从第一计算设备接收第一图像和标识第一图像被捕获的第一位置的信息。第一图像可以包括第一产品。随后，服务器计算机可以从第二计算设备接收第二图像和识别捕获第二图像的第二位置的信息。第二图像可以包括第二产品，并且第二位置可以不同于第一位置。然后，服务器计算机可以分析第一图像以识别第一产品和第二图像以识别第二产品。此后，服务器计算机可以在至少一个数据库中存储将第一产品与第一位置相关联的第一信息，以及将第二产品与第二位置相关联的第二信息。

46. 发明申请

WO2012116125A1 UNIVERSAL ELECTRONIC PAYMENT APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译：通用电子付款设备，方法和系统
公开(公告)号：WO2012116125A1
公开(公告)日：2012-08-30
申请号：PCT/US2012/026205
申请日：2012-02-22
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , KATZIN, Edward , HUA, Julian , STOREY, Gregory Kenneth , MORI, Michael , SHRIVASTAVA, Abhinav , BHARGAVA, Amit , BECK, Andrew , HAMMAD, Ayman , PFISTERER, Ben , SALMON, Diane , KARPENKO, Igor , SCHULZ, Jennifer , GAVRILOV, Miroslav , CIUREA, Peter , FAITH, Patrick , KUMNICK, Phillip , CHATTERJEE, Saurav , BADEA, Sebastian , LI, Shaw , JHA, Shipra , POURFALLAH, Stacy , FRENCH, Susan , THEURER, Tenni , HARRIS, Theodore , PURVES, Thomas , PANDEY, Vanita , GRAHAM, Victoria , HARIRAMANI, Prakash
发明人： KATZIN, Edward , HUA, Julian , STOREY, Gregory Kenneth , MORI, Michael , SHRIVASTAVA, Abhinav , BHARGAVA, Amit , BECK, Andrew , HAMMAD, Ayman , PFISTERER, Ben , SALMON, Diane , KARPENKO, Igor , SCHULZ, Jennifer , GAVRILOV, Miroslav , CIUREA, Peter , FAITH, Patrick , KUMNICK, Phillip , CHATTERJEE, Saurav , BADEA, Sebastian , LI, Shaw , JHA, Shipra , POURFALLAH, Stacy , FRENCH, Susan , THEURER, Tenni , HARRIS, Theodore , PURVES, Thomas , PANDEY, Vanita , GRAHAM, Victoria , HARIRAMANI, Prakash
IPC分类号： G06Q30/00
CPC分类号： G06Q20/36 , G06Q20/204 , G06Q20/322 , G06Q20/367 , G06Q30/00 , G06Q30/06 , G06Q30/0623 , G07F7/0886
摘要： The UNIVERSAL ELECTRONIC PAYMENT APPARATUSES, METHODS AND SYSTEMS ("UEP") transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.
摘要翻译：通用电子支付设备，方法和系统（“UEP”）将触摸屏输入通过UEP组件转换成虚拟钱包移动应用程序接口到购买交易触发器和收据通知。在一个实现中，UEP经由用户设备提供产品信息搜索请求; 并且响应于所述产品信息搜索请求，获得关于由第一商家出售的第一产品和由第二商家销售的第二产品的信息。 UEP使用由第一商家销售的第一产品的信息和由第二商家销售的第二商品来生成单个购买交易请求。 UEP经由用户设备提供用于支付处理的单个购买交易请求。此外，UEP获得第一商家的第一商品的电子购买收据和由第二商家出售的第二商品。

47. 发明申请

WO2012106655A2 MERCHANT-CONSUMER BRIDGING PLATFORM APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译：商业消费者桥梁平台设备，方法和系统
公开(公告)号：WO2012106655A2
公开(公告)日：2012-08-09
申请号：PCT/US2012/023856
申请日：2012-02-03
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , KATZIN, Edward N. , KUMNICK, Phillip Lyle , HARRIS, Theodore David , FAITH, Patrick , SCHULZ, Jennifer Ann
发明人： KATZIN, Edward N. , KUMNICK, Phillip Lyle , HARRIS, Theodore David , FAITH, Patrick , SCHULZ, Jennifer Ann
IPC分类号： G06Q20/40
CPC分类号： G06Q20/20 , G06Q20/027 , G06Q20/12 , G06Q20/4016
摘要： The merchant-consumer bridging platform apparatuses, methods and systems ("MCB-Platform") various activity requests (e.g., transaction request, merchant information update request, offer issuance request, etc.) via MCB-Platform components into transaction records and merchant database updates outputs. In one implementation, a method is disclosed, comprising: receiving an activity request including merchant information associated with a merchant; retrieving a previously stored merchant record from a database; determining merchant information update indicia based on a comparison of the merchant information and the previously stored merchant record; determining a confidence metric for the merchant information update; retrieving a confidence requirement based on the activity request; determining, within a low-latency processing time-frame, whether the determined confidence metric satisfies the retrieved confidence requirement; performing the requested activity and updating the previously stored merchant record with the merchant information update indicia when the determined confidence metric satisfies the retrieved confidence requirement; and declining the activity request when the determined confidence metric satisfies the retrieved confidence requirement.
摘要翻译：通过MCB-Platform组件将商业消费者桥接平台设备，方法和系统（“MCB平台”）各种活动请求（例如，交易请求，商家信息更新请求，提供发行请求等）转换成交易记录和商家数据库更新输出。在一个实现中，公开了一种方法，包括：接收包括与商家相关联的商家信息的活动请求; 从数据库检索先前存储的商家记录; 基于所述商家信息和先前存储的商家记录的比较来确定商家信息更新标记; 确定商家信息更新的置信度度; 基于活动请求检索置信度要求; 在低延迟处理时间帧内确定所确定的置信度量度是否满足所检索的置信度要求; 当确定的置信度量度满足所检索的置信度要求时，执行所请求的活动并更新具有商户信息更新标记的先前存储的商家记录; 并且当所确定的置信度量度满足检索的置信度要求时，拒绝活动请求。

48. 发明申请

WO2010135154A3 DEVICE INCLUDING ENCRYPTED DATA FOR EXPIRATION DATE AND VERIFICATION VALUE CREATION 审中-公开
公开(公告)号：WO2010135154A3
公开(公告)日：2010-11-25
申请号：PCT/US2010/034763
申请日：2010-05-13
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , FAITH, Patrick , KOGANTI, Kris
发明人： FAITH, Patrick , KOGANTI, Kris
IPC分类号： G06Q20/00 , G06F21/00
摘要： In order to make it more difficult to obtain numbers that can be used to conduct fraudulent transactions, a portion of a real account number is encrypted. The encrypted portion of the account number is used to generate a new account number, a new expiration date, and a new verification value. This information can be determined using processor that may reside in a point of sale terminal, a smart card, or a computer operated by a user. The new account number, the new expiration date, and the new verification value can be used in a payment transaction. A server computer in a central payment processing network may determine that the new account information is not the real account information, and may subsequently generate a modified authorization request message using the real account information and may send it to an issuer for approval. The transmission of data is more secure, since real account information is not sent from the merchant to the payment processing network.

49. 发明申请

WO2010053899A2 ONLINE CHALLENGE-RESPONSE 审中-公开
标题翻译：在线挑战 - 响应
公开(公告)号：WO2010053899A2
公开(公告)日：2010-05-14
申请号：PCT/US2009/063067
申请日：2009-11-03
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , WELLER, Kevin , STEELE, Kim , KOGANTI, Krishna Prasad , FAITH, Patrick
发明人： WELLER, Kevin , STEELE, Kim , KOGANTI, Krishna Prasad , FAITH, Patrick
IPC分类号： G06Q20/00 , G06F21/00
CPC分类号： G06Q20/4016 , G06F21/31 , G06F2221/2103 , G06Q20/12 , G06Q20/40 , G06Q20/405 , G06Q30/06 , G06Q50/265 , H04L9/3213 , H04L9/3226 , H04L9/3273
摘要： Embodiments of the invention enable cardholders conducting an online transaction to be authenticated in real-time using a challenge-response application. The challenge-response application can be administered by an issuer or by a third party on-behalf-of an issuer. A challenge question can be presented to the cardholder, and the cardholder's response can be verified. The challenge question presented can be selected based on an analysis of the risk of the transaction and potentially other factors. A variety of dynamic challenge questions can be used without the need for the cardholder to enroll into the program. Additionally, there are many flexible implementation options of the challenge-response application that can be adjusted based on factors such as the location of the merchant or the location of the consumer.
摘要翻译：本发明的实施例使得进行在线交易的持卡人能够使用询问 - 应答应用来实时认证。质疑 - 回应申请可以由发行人或代表发行人的第三方管理。可以向持卡人提出挑战问题，并且可以验证持卡人的回应。提出的挑战问题可以根据对交易风险和潜在其他因素的分析来选择。可以使用各种动态挑战问题，而无需持卡人参加该计划。此外，挑战 - 响应应用程序还有许多灵活的实施选项，可根据诸如商家位置或消费者位置等因素进行调整。

50. 发明申请

WO2009055704A2 DEVICE INCLUDING MULTIPLE PAYMENT APPLICATIONS 审中-公开
标题翻译：包含多个付款应用程序的设备
公开(公告)号：WO2009055704A2
公开(公告)日：2009-04-30
申请号：PCT/US2008/081166
申请日：2008-10-24
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman , FAITH, Patrick
发明人： HAMMAD, Ayman , FAITH, Patrick
CPC分类号： G06Q20/32 , G06Q20/10 , G06Q20/20 , G06Q20/227 , G06Q20/3278 , G06Q20/3574 , G06Q20/40
摘要： Embodiments of the invention are directed to a method, a system, a device and a computer-readable media for selecting one or more payment application at the point-of-sale and using the select one or more payment applications to conduct a transaction. One embodiment is directed to a method for automatically selecting one or more payment applications to use in a transaction so that the selected payment applications give the consumer an optimized benefit or benefits.
摘要翻译：本发明的实施例针对用于在销售点选择一个或多个支付应用程序并使用所选择的一个或多个支付应用程序的方法，系统，设备和计算机可读介质支付应用程序进行交易。一个实施例涉及一种用于自动选择一个或多个支付应用程序以在交易中使用的方法，使得所选择的支付应用程序为消费者提供优化的益处或好处。

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