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41. 发明申请

WO2011017196A2 SEEDLESS ANTI PHISHING AUTHENTICATION USING TRANSACTION HISTORY 审中-公开
标题翻译：利用交易历史进行无种类的反钓鱼认证
公开(公告)号：WO2011017196A2
公开(公告)日：2011-02-10
申请号：PCT/US2010/043750
申请日：2010-07-29
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark , FAITH, Patrick L. , HAMMAD, Ayman , MAYOR, Shalini
发明人： CARLSON, Mark , FAITH, Patrick L. , HAMMAD, Ayman , MAYOR, Shalini
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/102 , G06Q20/40
摘要： Systems and methods for providing authentication verification for a correspondence and other messages are disclosed. A link, such as a uniform resource locator (URL) link, is placed in a correspondence and sent to a user. When the user follows the link, a list of personal transaction data from the user's credit card or other financial account is presented. Because the personal transaction data is substantially private to user and his or her financial institution and card servicing company and not known to the public, the recipient can be assured that the message truly came from the financial institution or the card servicing company and not from a phisher.
摘要翻译：公开了用于为通信和其他消息提供认证验证的系统和方法。诸如统一资源定位符（URL）链接之类的链接置于对应关系中并发送给用户。当用户关注链接时，会显示来自用户信用卡或其他金融账户的个人交易数据列表。因为个人交易数据对于用户和他或她的金融机构和卡服务公司来说基本上是私人的并且不为公众所知，所以接收者可以确信该消息确实来自金融机构或卡服务公司而不是来自钓鱼者。

42. 发明申请

WO2010129346A2 ALERT PRIORITIZATION LOGIC 审中-公开
标题翻译：提醒优先逻辑
公开(公告)号：WO2010129346A2
公开(公告)日：2010-11-11
申请号：PCT/US2010/032790
申请日：2010-04-28
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman , CARLSON, Mark
发明人： HAMMAD, Ayman , CARLSON, Mark
IPC分类号： G06Q30/00 , G06Q20/00 , G06Q50/00
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： A first embodiment of the present invention relates to systems and methods for determining a priority for a set of alert triggers and performing additional processing based on the determined priority. In some embodiments, additional processing may include generating and sending of alert messages. In other embodiments, additional processing may further include determining that the generating and sending of alert messages are to be delayed until a later time. In yet other embodiments, additional processing may include determining that no alert message is to be generated and sent. A second embodiment of the present invention relates to systems and methods for dynamically selecting a delivery channel and generating an alert message for the selected delivery channel. In some embodiments, the alert message may be formatted based on the selected delivery channel. According to one embodiment, the alert message may be generated based on a compact protocol format. When the alert message is received by a mobile device, the mobile device may use the alert message to generate a second alert message.
摘要翻译：本发明的第一实施例涉及用于确定一组警报触发的优先级并基于所确定的优先级执行附加处理的系统和方法。在一些实施例中，附加处理可以包括生成和发送警报消息。在其他实施例中，附加处理可以进一步包括确定警报消息的生成和发送将被延迟到稍后的时间。在其他实施例中，附加处理可以包括确定不生成和发送警报消息。本发明的第二实施例涉及用于动态选择递送信道并为所选择的递送信道生成警报消息的系统和方法。在一些实施例中，警报消息可以基于所选择的传递信道被格式化。根据一个实施例，可以基于紧凑协议格式生成警报消息。当移动设备接收到警报消息时，移动设备可以使用警报消息来生成第二警报消息。

43. 发明申请

WO2010129342A2 MULTI-ALERTS BASED SYSTEM 审中-公开
标题翻译：基于多重警报的系统
公开(公告)号：WO2010129342A2
公开(公告)日：2010-11-11
申请号：PCT/US2010/032784
申请日：2010-04-28
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 and methods for defining, observing and detecting triggering user account events that initiate a user account alert message to be sent to one or more users are disclosed. Location and merchant, transaction result, device and, usage history/trend types of user account alerts and trigger criteria can be defined or selected by users, issuers were notification alert engines. Alternatively, user account alerts and trigger criteria can be defined by analyzing previously observed user account events, such as credit card transactions, to determine user profiles and user account usage trends, i.e. credit card spending patterns, as baselines for comparing newly observed user account events. If information associated with the newly observed user account events match any of the trigger criteria or are inconsistent with the determined user profile or user account usage trends, then user account alerts can be sent to one or more users.
摘要翻译：公开了用于定义，观察和检测触发要发送给一个或多个用户的用户帐户警报消息的用户帐户事件的系统和方法。用户帐号警报和触发条件的位置和商家，交易结果，设备和使用历史/趋势类型可由用户定义或选择，发行人是通知警报引擎。或者，可以通过分析先前观察到的用户帐户事件（例如信用卡交易）来定义用户帐户警报和触发条件，以确定用户配置文件和用户帐户使用趋势，即信用卡支出模式，作为比较新观察的用户帐户事件的基线。如果与新观察的用户帐户事件相关联的信息与任何触发条件匹配或者与确定的用户简档或用户帐户使用趋势不一致，则可以向一个或多个用户发送用户帐户警报。

44. 发明申请

WO2010129315A3 SYSTEM AND METHOD FOR PROVIDING CONSUMER TIP ASSISTANCE AS PART OF PAYMENT TRANSACTION 审中-公开
标题翻译：提供消费者小费援助作为付款交易的一部分的系统和方法
公开(公告)号：WO2010129315A3
公开(公告)日：2010-11-11
申请号：PCT/US2010/032679
申请日：2010-04-28
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark , MAYOR, Shalini
发明人： CARLSON, Mark , MAYOR, Shalini
IPC分类号： G06Q20/00
摘要： Systems, apparatuses, and methods for conducting payment transactions are disclosed. In exemplary embodiments, a consumer may wish to add a tip or gratuity when paying for a good or service, such as a meal at a restaurant. Exemplary systems may generate an alert or other form of message based on the transaction, where the alert or message may include a suggested amount for a tip and/or provide the consumer with information that may be used to determine an amount for the tip. In some embodiments, the systems, apparatuses, and methods may automatically generate an estimated amount for the tip based on previously established user preferences, with the estimated amount being added to the underlying cost of the good or service when authorization is sought for the transaction.
摘要翻译：公开了用于进行支付交易的系统，设备和方法。在示例性实施例中，消费者可能希望在支付商品或服务时添加小费或小费，例如在餐馆用餐。示例性系统可基于交易生成警报或其他形式的消息，其中警报或消息可包括针对提示的建议量和/或向消费者提供可用于确定提示的量的信息。在一些实施例中，系统，装置和方法可以基于先前建立的用户偏好自动地生成用于提示的估计量，其中当为交易寻求授权时，将估计量添加到商品或服务的基础成本。

45. 发明申请

WO2010056961A2 DEVICE INCLUDING AUTHENTICATION GLYPH 审中-公开
标题翻译：设备包括认证GLYPH
公开(公告)号：WO2010056961A2
公开(公告)日：2010-05-20
申请号：PCT/US2009/064342
申请日：2009-11-13
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , FAITH, Patrick , HAMMAD, Ayman , CARLSON, Mark
发明人： FAITH, Patrick , HAMMAD, Ayman , CARLSON, Mark
IPC分类号： G06Q20/00 , G06F21/20
CPC分类号： G06F21/36 , G06Q20/40
摘要： A device used in an authentication process. The device includes a processor, a display coupled to the processor, and a computer readable medium coupled to the processor. The computer readable medium includes (i) code for displaying a first authentication image including a plurality of image elements including a set of image elements, where the image elements in the set of image elements are located at a first set of positions on a display screen, (ii) code for receiving a first glyph having a first configuration corresponding to the set of image elements from a user while the first authentication image is displayed, (iii) code for displaying a second authentication image including the plurality of image elements including the set of image elements, where the image elements in the set of image elements are located at a second set of positions on the display screen, where the second set of positions is different than the first set of positions, and (iv) code for receiving a second glyph having a second configuration corresponding to the set of image elements from a user while the first authentication image is displayed.
摘要翻译：在认证过程中使用的设备。该设备包括处理器，耦合到处理器的显示器以及耦合到处理器的计算机可读介质。计算机可读介质包括（i）用于显示包括包括一组图像元素的多个图像元素的第一认证图像的代码，其中图像元素组中的图像元素位于显示屏幕上的第一组位置，（ii）用于在显示第一认证图像时从用户接收具有与来自用户的图像元素集合相对应的第一配置的第一字形的代码，（iii）用于显示包括多个图像元素的第二认证图像的代码，图像元素集合，其中图像元素集合中的图像元素位于显示屏幕上的第二组位置，其中第二组位置不同于第一组位置，以及（iv）用于接收的代码在显示第一认证图像时，具有与来自用户的图像元素集合相对应的第二配置的第二字形。

46. 发明申请

WO2010036677A2 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报警和提供消息的系统和方法
公开(公告)号：WO2010036677A2
公开(公告)日：2010-04-01
申请号：PCT/US2009/057969
申请日：2009-09-23
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark , BEBENITA, Dan , ICESHAN, Surendra , STAN, Patrick
发明人： CARLSON, Mark , BEBENITA, Dan , ICESHAN, Surendra , STAN, Patrick
IPC分类号： H04W4/12 , H04W88/02 , G06Q50/00
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：用于在移动设备上对报警和报价消息进行分类的方法和系统。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户进行的交易相关联的交易数据。在接收到提醒消息后，移动设备从与移动设备相关联的用户接收提醒消息分类标准，根据接收到的提供分类标准对提醒消息进行分类，并显示分类的提醒消息。

47. 发明申请

WO2010036615A2 INTELLIGENT ALERT SYSTEM AND METHOD 审中-公开
标题翻译：智能警报系统和方法
公开(公告)号：WO2010036615A2
公开(公告)日：2010-04-01
申请号：PCT/US2009/057693
申请日：2009-09-21
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman , CARLSON, Mark
发明人： HAMMAD, Ayman , CARLSON, Mark
IPC分类号： H04W4/12 , G06Q50/00
CPC分类号： G06Q20/32 , G06Q20/10 , G06Q20/20 , G06Q20/403 , H04W4/12
摘要： A system and method for generating an intelligent alert message is disclosed. A user enrolls in the messaging service. Information that the user provides during the 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 intelligent alert message is generated based on the transaction data and the alert customization data. The intelligent alert message is sent to a user device. For example, after a user uses a portable consumer device to buy gas at a fuel dispenser in a gas purchase transaction, an alert message that is received by a user's phone may be "This is a gas purchase transaction. The amount may vary." In this example, the amount of the purchase is not known until after the user buys gas.
摘要翻译：公开了用于生成智能警报消息的系统和方法。用户注册消息服务。用户在注册过程中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执行交易。交易数据被发送到计算机装置。计算机设备访问包含警报定制数据的数据库。根据交易数据和警报定制数据生成智能警报消息。智能警报消息被发送到用户设备。例如，在用户使用便携式消费者设备在天然气购买交易中在燃油加油机处购买气体之后，由用户电话接收的警报消息可以是“这是天然气购买交易”。该数量可能变化。“ 在这个例子中，直到用户购买天然气之后才知道购买金额。

48. 发明申请

WO2009158590A2 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：WO2009158590A2
公开(公告)日：2009-12-30
申请号：PCT/US2009/048813
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： 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。

49. 发明申请

WO2012125759A2 SYSTEM AND METHOD FOR PROCESSING PAYMENT TRANSACTIONS 审中-公开
标题翻译：处理支付交易的系统和方法
公开(公告)号：WO2012125759A2
公开(公告)日：2012-09-20
申请号：PCT/US2012/029118
申请日：2012-03-14
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman , FAITH, Patrick L. , CARLSON, Mark
发明人： HAMMAD, Ayman , FAITH, Patrick L. , CARLSON, Mark
IPC分类号： G06Q20/40
CPC分类号： G06Q20/401 , G06Q20/20 , G06Q20/32 , G06Q20/34 , G06Q20/382 , G06Q20/40 , G06Q20/409
摘要： A system and associated data processing flow for processing payment transactions that are conducted using a payment account or portable consumer device. The portable consumer device may be in any suitable form, including cards, key fobs, devices containing a contactless element, smart cards (having contacts or without contacts), etc. The invention separates the authentication of the payment account or payment device from the transaction authorization process, enabling different entities to be responsible for each of those functions.
摘要翻译：用于处理使用支付帐户或便携式消费者设备进行的支付交易的系统和相关联的数据处理流程。便携式消费设备可以是任何合适的形式，包括卡，密钥卡，包含非接触元件的设备，智能卡（具有联系人或不具有联系人）等。本发明将支付帐户或支付设备的认证与交易分离授权过程，使不同的实体能够对这些功能负责。

50. 发明申请

WO2012112822A2 SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译： SNAP移动支付设备，方法和系统
公开(公告)号：WO2012112822A2
公开(公告)日：2012-08-23
申请号：PCT/US2012/025530
申请日：2012-02-16
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman , KARPENKO, Igor , GAVRILOV, Miroslav , SHRIVASTAVA, Abhinav , CARLSON, Mark
发明人： HAMMAD, Ayman , KARPENKO, Igor , GAVRILOV, Miroslav , SHRIVASTAVA, Abhinav , CARLSON, Mark
IPC分类号： G06Q30/06
CPC分类号： G06Q20/3674 , G06Q20/20 , G06Q20/204 , G06Q20/3276 , G06Q30/06
摘要： The SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS ("SNAP") transform real-time-generated merchant-product Quick Response codes via SNAP components into virtual wallet card-based transaction purchase notifications. In one embodiment, the SNAP obtains a snapshot of a QR code presented on a display screen of a point-of-sale device from a mobile device. The SNAP decodes the QR code to obtain product information included in a checkout request of the user, and merchant information for processing a user purchase transaction with a merchant providing the QR code. The SNAP accesses a user virtual wallet to obtain user account information to process the user purchase transaction with the merchant. Using the product information, merchant information and user account information, the SNAP generates a card authorization request, and which the SNAP provides to a payment network for transaction processing. Also, the SNAP obtains a purchase receipt confirming processing of the user purchase transaction.
摘要翻译： SNAP手机付款设备，方法和系统（“SNAP”）通过SNAP组件将实时生成的商品快速响应代码转换为基于虚拟钱包卡的交易购买通知。在一个实施例中，SNAP从移动设备获得在销售点设备的显示屏上呈现的QR码的快照。 SNAP解码QR码以获得包括在用户的结帐请求中的产品信息，以及用于处理与提供QR码的商家的用户购买交易的商家信息。 SNAP访问用户虚拟钱包以获得用户帐户信息以处理与商家的用户购买交易。使用产品信息，商家信息和用户帐户信息，SNAP生成卡授权请求，SNAP提供给支付网络进行事务处理。此外，SNAP获得用户购买交易的购买收据确认处理。

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