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61. 发明申请

WO2010129555A3 FREQUENCY-BASED TRANSACTION PREDICTION AND PROCESSING 审中-公开
标题翻译：基于频率的交易预测与处理
公开(公告)号：WO2010129555A3
公开(公告)日：2011-03-03
申请号：PCT/US2010033556
申请日：2010-05-04
申请人： VISA INT SERVICE ASS , FAITH PATRICK , SIEGEL KEVIN P , HAMMAD AYMAN
发明人： FAITH PATRICK , SIEGEL KEVIN P , HAMMAD AYMAN
IPC分类号： G06Q50/00 , G06F17/00
CPC分类号： G06Q30/0202 , G06Q10/04 , G06Q10/06375 , G06Q20/40 , G06Q20/4016 , G06Q30/02 , G06Q30/0205 , G06Q30/0224 , G06Q30/0269 , G06Q40/00 , G06Q40/12
摘要： Methods, apparatus, and systems are provided for tracking and analyzing data of consumer activity. The tracked data can be organized (e.g. as stored in cache, RAM, hard drives) in certain types of tables, where the tables can be associated with certain tags (keys) for efficiently accessing the data. The organization and associations of the data can also provide simple mechanisms for manipulating the data to obtain results specifically relevant for a task, such as detection of fraud or prediction of consumer behavior to provide better customer service or new services. For example, the tables may contain counters that store the number of times that two correlated consumer events occur within specific time intervals of each other. Such time data can provide efficient determination of patterns of consumer activity. As examples, the patterns can be used to predict and pre-authorize future transactions, and to authorize a current transaction.
摘要翻译：提供了方法，装置和系统来跟踪和分析消费者活动的数据。跟踪的数据可以在特定类型的表中被组织（例如，存储在高速缓存，RAM，硬盘驱动器中），其中表可以与用于有效访问数据的某些标签（键）相关联。数据的组织和关联也可以提供操纵数据以获得与任务特别相关的结果的简单机制，例如检测欺诈或预测消费者行为以提供更好的客户服务或新服务。例如，表可以包含存储两个相关的消费者事件在彼此的特定时间间隔内发生的次数的计数器。这样的时间数据可以有效地确定消费者活动的模式。例如，这些模式可用于预测和预授权未来交易，并授权当前交易。

62. 发明申请

WO2011011410A2 AN APPARATUS INCLUDING DATA BEARING MEDIUM FOR SEASONING A DEVICE USING DATA OBTAINED FROM MULTIPLE TRANSACTION ENVIRONMENTS 审中-公开
标题翻译：一种装置，包括数据承载介质用于使用从多个交易环境获得的数据来进行装置的调味
公开(公告)号：WO2011011410A2
公开(公告)日：2011-01-27
申请号：PCT/US2010042599
申请日：2010-07-20
申请人： VISA INT SERVICE ASS , HAMMAD AYMAN
发明人： HAMMAD AYMAN
IPC分类号： G06Q20/00
CPC分类号： G06Q20/12 , G06Q20/32 , G06Q20/3224 , G06Q20/40 , G06Q20/4016 , G06Q30/06 , G07F7/08
摘要： An apparatus includes a processor and a set of instructions stored in a memory, where when executed by the processor, the instructions implement a method or process of determining if a consumer device should be accepted as valid based on correlating a location of the device with a location of a different transaction involving the same account. This enables an authorization decision for a transaction to be made at an earlier stage of the overall authorization process, or with less data processing or computational resources than might otherwise be required.
摘要翻译：一种装置包括处理器和存储在存储器中的一组指令，其中，当由处理器执行时，指令实现确定消费者设备是否应该被接受为有效的方法或过程，基于将设备的位置与涉及同一账户的不同交易的位置。这使得可以在整个授权过程的较早阶段对事务进行授权决策，或者以比可能需要的更少的数据处理或计算资源进行授权决策。

63. 发明申请

WO2010129291A2 NOTIFICATION SOCIAL NETWORKING 审中-公开
标题翻译：通知社会网络
公开(公告)号：WO2010129291A2
公开(公告)日：2010-11-11
申请号：PCT/US2010032596
申请日：2010-04-27
申请人： VISA INT SERVICE ASS , HAMMAD AYMAN
发明人： HAMMAD AYMAN
IPC分类号： G06Q20/00
CPC分类号： G06Q20/3221 , G06Q20/14
摘要： A method. The method includes a) sending a first transaction notification message comprising an original payee identifier to a user. The original payee identifier may be part of original transaction information associated with a first transaction. At some point, the user sees this transaction information and wants to correct one or more items in the transaction information. For example, the user may not recognize that the original payee identifier is wrong or is otherwise unrecognizable. The user may then contact a central server (e.g., via a Web site) and may provide updated transaction information such as an updated merchant identifier to the central server computer. This updated transaction information may be stored so that subsequent transactions can be accurately conducted and reported to the user, and other uses.
摘要翻译：一个方法。该方法包括：a）向用户发送包括原始收款人标识符的第一交易通知消息。原始收款人标识符可以是与第一交易相关联的原始交易信息的一部分。在某些时候，用户看到这个交易信息，并希望纠正交易信息中的一个或多个项目。例如，用户可能不认识到原始收款人标识符是错误的或者其他方式是不可识别的。然后，用户可以联系中央服务器（例如，经由网站），并且可以向中央服务器计算机提供更新的交易信息，例如更新的商家标识符。可以存储该更新的交易信息，使得可以准确地进行后续交易并将其报告给用户以及其他用途。

64. 发明申请

WO2010059929A3 AUTHENTICATION OF DOCUMENTS HAVING A MAGNETIC STRIPE 审中-公开
标题翻译：具有磁条的文件的认证
公开(公告)号：WO2010059929A3
公开(公告)日：2010-08-26
申请号：PCT/US2009065303
申请日：2009-11-20
申请人： VISA INT SERVICE ASS , FANG XIANG , FAITH PATRICK , KATO CRAIG , HAMMAD AYMAN , KOGANTI KRISHAN PRASAD
发明人： FANG XIANG , FAITH PATRICK , KATO CRAIG , HAMMAD AYMAN , KOGANTI KRISHAN PRASAD
IPC分类号： G06K19/12
CPC分类号： G06K19/12 , G07D7/04
摘要： Methods, systems, and apparatus for efficiently authenticating a document (e.g. a credit card) having a magnetic stripe are provided. The magnetic field at different points of the magnetic stripe are measured, e.g., by a checkout scanner to create a magnetic signature. Digital samples of the measurements may be transformed into coefficients of continuous basis functions, e.g., a Fourier transform. These coefficients are then compared to reference values (e.g. corresponding coefficients) to produce a measure of the authenticity of the document. The number of coefficients used can advantageously be smaller than the number of digital samples without compromising accuracy, thus using less bandwidth between a scanner and an authentication entity. The reference values can be updated over time to reflect changes in the magnetic stripe of the authentic document, as may occur due to physical deterioration. For example, reference values may be optimized based on recent measurements of the authenticated document to provide a more accurate determination of authenticity for future measurements. Methods, systems, and apparatus for verifying the identity of a cardholder are also provided. A digital representation of a magnetic characteristic of a magnetic stripe of the card can be stored on a portable electronic device of the cardholder. During a transaction, the digital signature is then transmitted so that it can be compared with a reference signature. The identity may be verified, and a response sent to a party requesting the verification, e.g., during a transaction between the requesting party and the verified party.
摘要翻译：提供了用于有效地认证具有磁条的文档（例如，信用卡）的方法，系统和装置。例如通过检验扫描器来测量磁条的不同点处的磁场以产生磁性签名。测量的数字样本可以被变换为连续基函数的系数，例如傅里叶变换。然后将这些系数与参考值（例如相应的系数）进行比较以产生文档的真实性的量度。所使用的系数的数量可以有利地小于数字样本的数量，而不损害精度，因此在扫描仪和认证实体之间使用更少的带宽。可以随时间更新参考值，以反映由于物理劣化可能发生的可靠文件的磁条的变化。例如，可以基于认证文件的最近测量来优化参考值，以提供对未来测量的真实性的更准确的确定。还提供了用于验证持卡人身份的方法，系统和装置。卡的磁条的磁特性的数字表示可以存储在持卡人的便携式电子设备上。在交易期间，然后传输数字签名，使得它可以与参考签名进行比较。可以验证身份，以及发送给请求验证的一方的响应，例如在请求方和被验证方之间的交易期间。

65. 发明申请

WO2007149775A2 CONSUMER AUTHENTICATION SYSTEM AND METHOD 审中-公开
标题翻译：消费者认证系统和方法
公开(公告)号：WO2007149775A2
公开(公告)日：2007-12-27
申请号：PCT/US2007071301
申请日：2007-06-15
申请人： VISA INT SERVICE ASS , VISA USA INC , HAMMAD AYMAN , FAITH PATRICK
发明人： HAMMAD AYMAN , FAITH PATRICK
IPC分类号： H04L9/00
CPC分类号： G06Q20/3829 , G06Q20/085 , G06Q20/105 , G06Q20/20 , G06Q20/204 , G06Q20/367 , G06Q20/3672 , G06Q20/3674 , G06Q20/382 , G06Q20/3821 , G06Q20/385 , G06Q20/40 , G06Q20/401 , G06Q30/06 , G06Q40/00 , G06Q2220/00 , H04L9/3271 , H04L2209/56
摘要： A method for authenticating a consumer. The method includes receiving an authorization request message associated with a consumer conducting a transaction with a portable consumer device. A challenge message is sent to the consumer, where the challenge message is dynamic or semi-dynamic. A challenge response message is received from the consumer, and an authorization response message is sent to the consumer. The authorization response message indicates whether or not the transaction is authorized.
摘要翻译：用于认证消费者的方法。该方法包括接收与便携式消费者设备进行交易的消费者相关联的授权请求消息。向消费者发送挑战消息，其中挑战消息是动态或半动态的。从消费者接收到询问响应消息，向消费者发送授权响应消息。授权响应消息指示交易是否被授权。

66. 发明申请

WO2007002459A3 APPARATUS AND METHOD TO ELECTROMAGNETICALLY SHIELD PORTABLE CONSUMER DEVICES 审中-公开
标题翻译：电磁式便携式消费设备的装置和方法
公开(公告)号：WO2007002459A3
公开(公告)日：2007-04-26
申请号：PCT/US2006024570
申请日：2006-06-23
申请人： VISA USA INC , VISA INT SERVICE ASS , HAMMAD AYMAN , DIXON PHIL
发明人： HAMMAD AYMAN , DIXON PHIL
IPC分类号： H04M1/00
CPC分类号： G06K19/07327 , G06K19/005 , G06K19/07735
摘要： An apparatus and method is provided to shield contactless portable electronic consumer devices such as radio frequency identification devices (RFID), tokens, mini-cards, key fobs, cellular phones, smartcards, etc. from wireless interrogation. In one embodiment, a contactless portable consumer device which includes a first antenna is shielded from unauthorized wireless interrogation with a radio frequency (RF) shield. The RF shield includes electrically conductive, non-ferromagnetic material and is configured to prevent unauthorized data transfer between a second antenna external to the portable consumer device and the first antenna.
摘要翻译：提供了一种用于屏蔽诸如射频识别装置（RFID），令牌，小卡，密钥卡，蜂窝电话，智能卡等非接触式便携式电子消费设备的装置和方法，从无线询问。在一个实施例中，包括第一天线的非接触式便携式消费者设备被屏蔽以防止使用射频（RF）屏蔽的未经授权的无线询问。 RF屏蔽包括导电非铁磁材料，并且被配置为防止便携式消费设备外部的第二天线与第一天线之间的未授权数据传输。

67. 发明申请

WO2009058878A3 ON-LINE AUTHORIZATION IN ACCESS ENVIRONMENT 审中-公开
标题翻译：访问环境中的在线授权
公开(公告)号：WO2009058878A3
公开(公告)日：2009-07-30
申请号：PCT/US2008081600
申请日：2008-10-29
申请人： VISA USA INC , HAMMAD AYMAN , DIXON PHIL , EL-AWADY KHALID , FAITH PATRICK , CARLSON MARK
发明人： HAMMAD AYMAN , DIXON PHIL , EL-AWADY KHALID , FAITH PATRICK , CARLSON MARK
IPC分类号： G06F21/20 , G06F15/00 , G07B15/02
CPC分类号： G07B15/00 , G06Q20/32 , G06Q20/3278 , G06Q20/352 , G06Q20/40 , G06Q40/12 , G07B15/02 , G07C9/00103 , G07F17/0014
摘要： A method for allowing on-line authorization in an access environment. The method includes receiving a request for access to a location at a gate access device from a user. After receiving the request for access to the location, an authorization request message is generated. The authorization request message includes an authorization to charge a predetermined amount of money. The authorization request message is then sent to an issuer for approval. An authorization response message is then received. The authorization response message indicates whether or not the charge is authorized or not authorized. If the authorization response message indicates that the authorization response message is authorized, then the user is allowed to access the location.
摘要翻译：一种允许在访问环境中进行在线授权的方法。该方法包括从用户接收访问门口访问设备处的位置的请求。在接收到访问该位置的请求之后，生成授权请求消息。授权请求消息包括收取预定金额的授权。授权请求消息然后被发送给发行者以供批准。然后接收到授权响应消息。授权响应消息指示该费用是否被授权或未被授权。如果授权响应消息指示授权响应消息被授权，则允许用户访问该位置。

68. 发明公开

EP2689386A4 IN-PERSON ONE-TAP PURCHASING APPARATUSES, METHODS AND SYSTEMS 有权
标题翻译：个性化的设备，要选购ON按钮的方法和系统
公开(公告)号：EP2689386A4
公开(公告)日：2014-11-19
申请号：EP12763395
申请日：2012-03-26
申请人： VISA INT SERVICE ASS
发明人： KATZIN EDWARD , HAMMAD AYMAN , HUA JULIAN , WALD JERRY
IPC分类号： G06Q30/06 , G06Q20/20 , G06Q20/32 , G06Q30/02 , G07G1/00 , G07G3/00
CPC分类号： G06Q30/06 , G06Q20/0453 , G06Q20/20 , G06Q20/3221 , G06Q20/3274 , G06Q20/3276 , G06Q20/36 , G06Q20/387 , G06Q30/0251 , G07G1/0036 , G07G1/0081 , G07G3/003
摘要： Methods, systems, and devices are disclosed for transforming product code snapshots into real-time, offer-driven electronic purchase transaction notifications that minimize fraud. In one embodiment, a smart phone scans a product identifier from a product package, a server accesses a products database for product purchase offers associated with the product identifier, a user authorizes a credit card from his or her wallet to charge, and then product purchase offers or other credit card offers (for loyalty points or otherwise) are provided to the user mobile device. After a user has purchased an item while in the aisle of the store, the user's smart phone displays a barcoded electronic receipt that can be scanned by the exit so that the consumer can walk out with the produce. In some embodiments, a video chat is requested by a customer service representative and a transaction risk score is lowered based on acceptance of the video chat.
摘要翻译：方法，系统和设备是为游离缺失转化产品代码快照拍摄到的实时盘，报价驱动的电子采购交易的通知没有减少欺诈行为。在一个，实施一个智能手机扫描从产品包中的产品标识，服务器访问一个产品数据库产品的购买提供了与产品标识符相关联，用户从他或钱包授权信用卡前充电，然后购买产品优惠或其他信用卡优惠（忠诚点或其他方式）提供给用户的移动设备。之后，而在商店的过道，用户的智能手机显示一个条形码的电子收据确实可以通过出口来扫描的用户已经购买的物品所以没有消费者可以走出与农产品。在一些实施方案中，视频聊天是通过客户服务代表请求和交易风险评分是基于接受视频聊天的降低。

69. 发明公开

EP2476088A4 SECURE COMMUNICATION OF PAYMENT INFORMATION TO MERCHANTS USING A VERIFICATION TOKEN 审中-公开
标题翻译：支付信息TO的经销商检验标记保密通信
公开(公告)号：EP2476088A4
公开(公告)日：2014-01-15
申请号：EP10816167
申请日：2010-09-10
申请人： VISA INT SERVICE ASS
发明人： HAMMAD AYMAN
IPC分类号： G06Q20/00 , G06F21/00 , G06F21/31 , G06F21/34 , G06F21/35 , G06Q20/12 , G06Q20/20 , G06Q20/32 , G06Q20/38 , G06Q20/40 , G06Q20/42 , H04L9/32 , H04L29/06
CPC分类号： G06Q20/40 , G06F21/34 , G06Q20/12 , G06Q20/385 , G06Q20/42 , G06Q20/425 , H04L9/3234 , H04L9/3273 , H04L63/0853 , H04L63/126 , H04L2209/56

70. 发明公开

EP2457200A4 AN APPARATUS INCLUDING DATA BEARING MEDIUM FOR AUTHORIZING A PAYMENT TRANSACTION USING SEASONED DATA 审中-公开
标题翻译：与磁盘介质权限的支付交易数据的使用季节DEVICE
公开(公告)号：EP2457200A4
公开(公告)日：2013-03-20
申请号：EP10802769
申请日：2010-07-20
申请人： VISA INT SERVICE ASS
发明人： HAMMAD AYMAN
IPC分类号： G06Q20/00
CPC分类号： G06Q20/12 , G06Q20/32 , G06Q20/40 , G06Q20/4016 , G06Q20/4018 , G06Q30/06 , G07F7/08

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