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71. 发明申请

WO2008150611A3 LIGHTING SYSTEM FOR THIN REFLECTIVE DISPLAY DEVICES 审中-公开
标题翻译：用于薄反射显示装置的照明系统
公开(公告)号：WO2008150611A3
公开(公告)日：2011-03-24
申请号：PCT/US2008062355
申请日：2008-05-02
申请人： MOTOROLA INC , YANG SEN , WEN CHIEN-HUI , EMMERT STEVE C , PEI YI-LIN , ELFERING JAMES P , CARLSON MARK J
发明人： YANG SEN , WEN CHIEN-HUI , EMMERT STEVE C , PEI YI-LIN , ELFERING JAMES P , CARLSON MARK J
IPC分类号： G02F1/1335 , G02B5/02 , G02B5/30 , G02F1/13357 , H04B1/38
CPC分类号： G02B6/0036 , G02B6/0076
摘要： A display for a mobile communication device is disclosed. The display may include a first layer with refractive index n1, having at least a rough surface on one side, a second layer, having refractive index n2, applied contiguously on a side opposite from the rough side of the first layer, wherein n1> n2> nair and nair is the refractive index in air media, a reflective display disposed on a side of the second layer opposite from the first layer, and at least one light source located adjacent to at least one edge or side of the first layer.
摘要翻译：公开了一种用于移动通信设备的显示器。显示器可以包括具有折射率n1的第一层，在一侧具有至少一个粗糙表面，具有折射率n2的第二层，连续地施加在与第一层的粗糙面相反的一侧上，其中n1> n2 nair和nair是空气介质中的折射率，设置在与第一层相反的第二层的一侧的反射显示器，以及至少一个位于第一层的至少一个边缘或侧面附近的光源。

72. 发明申请

WO2011031450A2 ONLINE WARRANTY HISTORY STORAGE ACCESS 审中-公开
标题翻译：在线保修历史存储访问
公开(公告)号：WO2011031450A2
公开(公告)日：2011-03-17
申请号：PCT/US2010/046467
申请日：2010-08-24
申请人： VISA U.S.A. INC. , CARLSON, Mark , STAN, Pat , FAITH, Patrick, L. , HAMMAD, Ayman, A. , REWIS, Ben
发明人： CARLSON, Mark , STAN, Pat , FAITH, Patrick, L. , HAMMAD, Ayman, A. , REWIS, Ben
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q10/00 , G06Q20/40 , G06Q30/012 , G06Q30/06
摘要： A message confirming a transaction for the purchase of an item can include identifiers for the item and for a consumer as well as information pertaining to the transaction. The item identifier is used to locate an express warranty for the item. The consumer identifier (e.g.; a number of an account issued to the consumer) is used to locate the consumer's file in which the express warranty is stored along with at least a portion of the information pertaining to the transaction. Other data received in respective messages can be also be stored in the consumer's file. Thereafter, the consumer identifier can be use to retrieve all express warranties stored in the file for past respective purchased items. Information about each express warranty can be compared to the stored portion of the information pertaining to the transaction so as to retrieve only those express warranties that are valid (e.g.; unexpired).
摘要翻译：确认购买项目的交易的消息可以包括项目和消费者的标识符以及与交易有关的信息。项目标识符用于查找项目的明示保修。消费者标识符（例如，向消费者发放的帐户的数量）用于定位消费者在其中存储明示保证的文件以及与交易相关的信息的至少一部分。在各消息中收到的其他数据也可以存储在消费者的文件中。此后，可以使用消费者标识符来检索存储在文件中的所有对于过去各个所购商品的所有明示保证。关于每个明示保修的信息可以与存储的与交易有关的信息部分进行比较，以便仅检索那些有效（例如未到期）的明示保证。

73. 发明申请

WO2010144661A3 SERVICE ACTIVATION USING ALGORITHMICALLY DEFINED KEY 审中-公开
标题翻译：服务激活使用定理键
公开(公告)号：WO2010144661A3
公开(公告)日：2011-02-24
申请号：PCT/US2010038109
申请日：2010-06-10
申请人： VISA INT SERVICE ASS , RAJ ASHWIN , TULLIS JOHN , CARLSON MARK , FAITH PATRICK , MAYOR SHALINI , MIRIZZI JOSEPH , WHITE LAUREN , BRAND OLIVIER , LINDELSEE MIKE
发明人： RAJ ASHWIN , TULLIS JOHN , CARLSON MARK , FAITH PATRICK , MAYOR SHALINI , MIRIZZI JOSEPH , WHITE LAUREN , BRAND OLIVIER , LINDELSEE MIKE
IPC分类号： H04L9/14 , H04L9/32
CPC分类号： H04W12/06 , G06F21/31 , G06F2221/2117 , G06Q20/02 , G06Q20/10 , G06Q20/3829 , G06Q20/40 , G06Q20/4037 , G06Q40/02 , H04L9/0643 , H04L9/0861 , H04L9/321 , H04L9/3226 , H04L9/3236 , H04L63/0428 , H04L63/08 , H04L63/0884 , H04W12/04 , H04W12/08
摘要： Systems and methods for service activation using algorithmically defined keys are disclosed. A consumer who has a relationship with a first party may wish to enroll in a service provided by a third party. The first party can maintain control of such enrollments through the use of algorithmically defined keys. The algorithmically defined keys also allow the third party service provider to verify data provided by the consumer as matching data stored by the first party. The verification provides for data synchronization without requiring the third party to have access to the first parties data systems.
摘要翻译：公开了使用算法定义的键进行服务激活的系统和方法。与第一方有关系的消费者可能希望注册由第三方提供的服务。第一方可以通过使用算法定义的键来保持对这种注册的控制。算法定义的密钥还允许第三方服务提供商将由消费者提供的数据验证为由第一方存储的匹配数据。验证提供数据同步，而不需要第三方访问第一方数据系统。

74. 发明申请

WO2010129317A3 SYSTEM AND METHOD FOR PROVIDING ADVICE TO CONSUMER REGARDING A PAYMENT TRANSACTION 审中-公开
标题翻译：用于向消费者提供关于付款交易的建议的系统和方法
公开(公告)号：WO2010129317A3
公开(公告)日：2010-11-11
申请号：PCT/US2010/032684
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 , G06Q50/00
摘要： Systems, apparatuses, and methods for providing a consumer with an alert or other information regarding a payment transaction. When a consumer conducts a payment transaction, an alert may be sent to a device. The contents of the alert, the triggers for sending the alert, or the delivery channel for the alert may be determined by a set of preferences that the consumer set. In response to the alert, the consumer may send an SMS or other message that requests "help", "advice", "need information", etc. The consumer may select or activate a user interface element to obtain advice or information regarding the transaction. A consumer request for help, advice, or more information may be generated by the consumer during or after a payment transaction. In response to the request for help, advice, or information, the invention may provide the consumer with a menu or list of topics of information that is available regarding the transaction.
摘要翻译：用于向消费者提供关于支付交易的提醒或其他信息的系统，设备和方法。当消费者进行支付交易时，可以将警报发送到设备。警报的内容，发送警报的触发器或警报的传送通道可以由消费者设定的一组偏好确定。响应于该警报，消费者可以发送请求“帮助”，“建议”，“需要信息”等的SMS或其他消息。消费者可以选择或激活用户界面元素以获得建议或信息关于交易。消费者在支付交易期间或之后可能会产生消费者的帮助，建议或更多信息请求。为了响应帮助，建议或信息的请求，本发明可以向消费者提供关于交易的可用信息的菜单或列表。

75. 发明申请

WO2010129300A2 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：WO2010129300A2
公开(公告)日：2010-11-11
申请号：PCT/US2010/032611
申请日：2010-04-27
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , 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。

76. 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。

77. 发明申请

WO2010124093A3 TRIGGERED ANNOUNCEMENT 审中-公开
公开(公告)号：WO2010124093A3
公开(公告)日：2010-10-28
申请号：PCT/US2010/032057
申请日：2010-04-22
申请人： VISA U.S.A. INC. , CARLSON, Mark , MOWZOON, May, M.
发明人： CARLSON, Mark , MOWZOON, May, M.
IPC分类号： G06Q50/00
摘要： An announcement distributor distributes, or auctions an opportunity to distribute, an announcement to an announcement recipient such as a consumer, issuer, merchant, or acquirer within a payment processing system. The announcement when there has been a satisfaction of an announcement condition, such as the consumer being determined to be located within a predetermined spatial zone. The content of the announcement may, in turn, facilitate a subsequent cashless transaction for resources of merchants. Implementations describe various permutations of the content of the announcement, the announcement condition, and the announcement recipient.

78. 发明申请

WO2010123843A2 OBSERVABLE MOMENT ENCRYPTION 审中-公开
标题翻译：可观察的动作加密
公开(公告)号：WO2010123843A2
公开(公告)日：2010-10-28
申请号：PCT/US2010031669
申请日：2010-04-20
申请人： VISA INT SERVICE ASS , FAITH PATRICK , CARLSON MARK
发明人： FAITH PATRICK , CARLSON MARK
IPC分类号： G06K19/00 , G06F21/00 , G06Q20/00
CPC分类号： G06K19/07749 , G06K19/0716 , H04W12/06 , H04W12/12
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.
摘要翻译：公开了一种通过在观察到可观察时刻逐渐改变消费者识别号码来加密便携式消费者装置中包含的消费者识别号码的方法，系统和装置。可观察的时刻可以是暴露于光或电磁场，使用便携式消费装置或温度变化。使用消费者识别号码如何逐渐改变的模式或历史来认证便携式消费者设备或消费者。

79. 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。

80. 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。

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