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1. 发明申请

WO2011094439A2 APPARATUS FOR SECURING A PORTABLE ELECTRONIC DEVICE 审中-公开
标题翻译：用于固定便携式电子设备的装置
公开(公告)号：WO2011094439A2
公开(公告)日：2011-08-04
申请号：PCT/US2011/022766
申请日：2011-01-27
申请人： ACCO BRANDS USA LLC , TAN, John , WHITE, Ryan , MAHAFFEY, Robert
发明人： TAN, John , WHITE, Ryan , MAHAFFEY, Robert
IPC分类号： G06F1/16 , G06F21/00
CPC分类号： E05B73/0082 , G06F21/88 , Y10T70/413 , Y10T70/5027
摘要： A securing device for securing portable electronic devices and the method of using the securing device are disclosed. The securing device has a plate assembly, a post assembly and a main bar. A portable electronic device is inserted in-between the plate assembly and the main bar. Thereafter, the post assembly is rotated from a first position to a second position which is perpendicular to the length of the plate assembly. While in the second position, the post assembly prevents the rearward movement of the portable electronic device. The main bar prevents the upward movement of the portable electronic device. The plate assembly has a recessed profile that allows airflow through the bottom portion of the portable electronic device while being secured with the securing device.
摘要翻译：公开了一种用于固定便携式电子设备的固定装置以及使用该固定装置的方法。固定装置具有板组件，杆组件和主杆。便携式电子设备插入板组件和主杆之间。之后，柱组件从第一位置旋转到垂直于板组件长度的第二位置。当处于第二位置时，柱组件阻止便携式电子设备的向后移动。主杆阻止便携式电子设备的向上移动。板组件具有凹入的轮廓，其允许气流通过便携式电子设备的底部部分，同时与固定设备一起固定。

2. 发明申请

WO2010141233A2 CONTACTLESS DISABLEMENT 审中-公开
标题翻译：无关紧要
公开(公告)号：WO2010141233A2
公开(公告)日：2010-12-09
申请号：PCT/US2010/035645
申请日：2010-05-20
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , WILSON, Dave, William , RIFAAT, Omar , NGO, Hao
发明人： WILSON, Dave, William , RIFAAT, Omar , NGO, Hao
IPC分类号： H04B5/02 , G06K19/00 , H04B1/40 , G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/352 , G06K19/07336 , G06Q20/204 , G06Q20/341 , G06Q20/354 , G06Q30/06 , G06Q40/02 , G07F7/10 , H04B5/00 , H04M1/72519
摘要： A method for controlling a contactless interface on a dual interface portable device are provided. The method allows for contactless enablement and disablement on both a temporary and semi-permanent basis, dependent on commands sent to the device by the issuer of the portable device. The commands are received through a terminal device and are transferred to the portable device during a contact transaction. Configuration data on the portable device is modified according to the received commands. An application on the portable device controls the transmission of data through the contactless interface dependent on the configuration data.
摘要翻译：提供了一种用于控制双接口便携式设备上的非接触式接口的方法。该方法允许基于临时和半永久性的非接触式启用和禁用，这取决于便携式设备的发行者发送给设备的命令。这些命令通过终端设备接收，并且在联系交易期间被传送到便携式设备。根据接收到的命令修改便携式设备上的配置数据。便携式设备上的应用依赖于配置数据来控制通过非接触式接口的数据传输。

3. 发明申请

WO2010121059A4 GLOBAL CONCIERGE 审中-公开
公开(公告)号：WO2010121059A4
公开(公告)日：2010-10-21
申请号：PCT/US2010/031282
申请日：2010-04-15
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , RODRIGUEZ, Michael , STIFF, Nicola
发明人： RODRIGUEZ, Michael , STIFF, Nicola
IPC分类号： G06Q50/00
摘要： A method for receiving, processing and managing service requests from a user is disclosed. The method includes receiving the service request from a user at a concierge service, generating an itinerary from the service request, sending the itinerary to a server in a consumer relation management system and automatically coordinating the service items of the service request among one or more concierge services. A method for automatically notifying a credit or debit card issuer about the future travel plan of a user is also disclosed. The method includes using the generated itinerary to automatically populate a security profile, and transfer the data from the security profile to an issuer, where the issuer uses these data to authorize future transactions in different locations that would normally be declined.

4. 发明申请

WO2011068867A2 SYSTEM AND METHOD OF MATCHING FINANCIAL TRANSACTION RECORDS TO MERCHANT RECORDS OF A MERCHANT PROFILE DATABASE 审中-公开
标题翻译：将财务交易记录与商业资料数据库的商业记录进行比较的系统和方法
公开(公告)号：WO2011068867A2
公开(公告)日：2011-06-09
申请号：PCT/US2010/058558
申请日：2010-12-01
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , ENGLE, Traci , CARROLL, Bryan
发明人： ENGLE, Traci , CARROLL, Bryan
IPC分类号： G06Q40/00 , G06Q20/00
CPC分类号： G06Q40/123
摘要： A system and method for matching transaction records to merchant records of a merchant profile database is provided, the transaction records containing transaction data of financial presentation devices that are presentable to a plurality of merchants, the transaction data including merchant identifying data that identifies the merchant for the transaction. The system includes a memory storing a plurality of transaction records, a merchant profile database storing a plurality of merchant profile records, a processor, and a match logic module executable by the processor and adapted to recognize a plurality of variations in the merchant identifying data contained in the transaction records, the match logic module operable to match each of the transaction records to an associated merchant profile record in the merchant profile database according to the recognized variations in the merchant identifying data.
摘要翻译：提供了一种用于将交易记录与商家简档数据库的商家记录相匹配的系统和方法，所述交易记录包含可呈现给多个商家的金融呈现装置的交易数据，所述交易数据包括识别商家的商家识别数据交易。该系统包括存储多个交易记录的存储器，存储多个商家简档记录的商家简档数据，处理器和可由该处理器执行的匹配逻辑模块，并且适于识别商家识别数据中包含的多个变体在交易记录中，匹配逻辑模块可操作以根据商家识别数据中所识别的变化将每个交易记录与商家简档数据库中的关联的商家简档记录相匹配。

5. 发明申请

WO2010148187A2 FRAUD/RISK BUREAU 审中-公开
标题翻译： FRAUD / RISK BUREAU
公开(公告)号：WO2010148187A2
公开(公告)日：2010-12-23
申请号：PCT/US2010/038976
申请日：2010-06-17
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HILGERS, Nancy , NIGHTENGALE, Brad
发明人： HILGERS, Nancy , NIGHTENGALE, Brad
IPC分类号： G06Q40/00 , G06Q20/00 , G06Q10/00
CPC分类号： G06Q20/4016 , G06Q10/10 , G06Q20/40 , G06Q40/025 , G06Q50/265
摘要： Systems and methods for generating fraud/risk report for consumers are disclosed. A server computer in a fraud/risk system receives a request from a client computer of a user for a fraud/risk report associated with a consumer. The server computer queries a database that stores pre-filtered data provided from third party sources, and data (filtered or not filtered) from a payment processing network that processes payment card transactions. The pre-filtered data are associated with reported fraudulent activities. The server computer then generates a fraud/risk report and provides that report to the client computer of the user. The report includes the pre-filtered data that were associated with the consumer. The fraud/risk report may also be customized based on the request of the user or based on pre-determined criteria stored in the server computer.
摘要翻译：披露了为消费者制作欺诈/风险报告的制度和方法。欺诈/风险系统中的服务器计算机从用户的客户端计算机接收与消费者相关联的欺诈/风险报告的请求。服务器计算机查询存储从第三方来源提供的预过滤数据的数据库，以及处理支付卡交易的支付处理网络中的数据（过滤或未过滤）。预先过滤的数据与报告的欺诈活动相关联。然后，服务器计算机生成欺诈/风险报告，并将该报告提供给用户的客户端计算机。该报告包括与消费者相关联的预过滤数据。还可以基于用户的请求或基于存储在服务器计算机中的预定标准来定制欺诈/风险报告。

6. 发明申请

WO2011112396A2 SYSTEM AND METHOD INCLUDING CUSTOMIZED LINKAGE RULES IN PAYMENT TRANSACTIONS 审中-公开
标题翻译：系统和方法，其中包括支付交易中的自定义链接规则
公开(公告)号：WO2011112396A2
公开(公告)日：2011-09-15
申请号：PCT/US2011/026757
申请日：2011-03-01
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman
发明人： HAMMAD, Ayman
IPC分类号： G06Q20/00
CPC分类号： G06Q20/405 , G06Q20/40 , G06Q20/401
摘要： Systems and methods for generating a dynamic verification value for electronic payment transactions are disclosed. A user of a portable consumer device enrolls the account identifier associated with the portable consumer device and specifies one or more customized linkage rules that identify one or more user communication devices and user identifiers that should be used to submit an authentication request message to an entity that generates a dynamic verification value. A server computer that receives an authentication request message determines whether the authentication request message complies with the specified customized linkage rules and generates a dynamic verification value.
摘要翻译：公开了用于生成电子支付交易的动态验证值的系统和方法。便携式消费者设备的用户注册与便携式消费者设备相关联的帐户标识符，并且指定一个或多个自定义的链接规则，其标识一个或多个用户通信设备和应当用于向认证请求消息提交认证请求消息的用户标识符，生成动态验证值。接收认证请求消息的服务器计算机确定认证请求消息是否符合指定的定制链接规则并生成动态验证值。

7. 发明申请

WO2011112394A2 SYSTEM AND METHOD INCLUDING DYNAMIC VERIFICATION VALUE 审中-公开
标题翻译：包括动态验证值的系统和方法
公开(公告)号：WO2011112394A2
公开(公告)日：2011-09-15
申请号：PCT/US2011/026747
申请日：2011-03-01
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman
发明人： HAMMAD, Ayman
CPC分类号： G06Q20/405 , G06Q20/40 , G06Q20/401
摘要： System and methods for generating a dynamic verification value for electronic payment transactions are disclosed. An account identifier and an account attribute associated with an account of a user are received at a server computer. A dynamic account attribute is created and concatenated with the account identifier. The concatenated account identifier and the dynamic account attribute are then used to generate a dynamic verification value. The dynamic verification value and the dynamic account attribute are then sent to a user communication device and used for authentication in a payment transaction.
摘要翻译：公开了用于生成电子支付交易的动态验证值的系统和方法。在服务器计算机处接收与用户的帐户相关联的帐户标识符和帐户属性。创建动态帐户属性并将其与帐户标识符连接。然后，使用级联的帐户标识符和动态帐户属性来生成动态验证值。然后将动态验证值和动态帐户属性发送到用户通信设备，并用于支付交易中的认证。

8. 发明申请

WO2011127177A2 SYSTEM AND METHOD FOR SECURELY VALIDATING TRANSACTIONS 审中-公开
标题翻译：用于安全交易的系统和方法
公开(公告)号：WO2011127177A2
公开(公告)日：2011-10-13
申请号：PCT/US2011/031426
申请日：2011-04-06
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman
发明人： HAMMAD, Ayman
CPC分类号： G06Q20/12 , G06Q20/385 , G06Q20/4018 , G06Q20/425 , G06Q30/06 , H04L9/3234 , H04L2209/56
摘要： Systems and methods for validating and processing payment transactions are disclosed. In the embodiments of the invention a first authorization request message and a first verification value are received at a server computer. The verification value is validated and a second authorization request message with a second verification value is generated. The first verification value may be a dynamic value and the second verification value may be static value. The second verification value is associated with portable device used to perform a transaction and it is what the issuer computers of the portable device expect to receive as part of an authorization request message in a payment transaction.
摘要翻译：公开了验证和处理支付交易的系统和方法。在本发明的实施例中，在服务器计算机处接收到第一授权请求消息和第一验证值。验证值被验证，并且生成具有第二验证值的第二授权请求消息。第一验证值可以是动态值，第二验证值可以是静态值。第二验证值与用于执行交易的便携式设备相关联，并且便携式设备的发行者计算机期望在支付交易中作为授权请求消息的一部分接收。

9. 发明申请

WO2011112393A2 SYSTEM AND METHOD INCLUDING SECURITY PARAMETERS USED FOR GENERATION OF VERIFICATION VALUE 审中-公开
标题翻译：包括用于生成验证值的安全参数的系统和方法
公开(公告)号：WO2011112393A2
公开(公告)日：2011-09-15
申请号：PCT/US2011/026740
申请日：2011-03-01
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman
发明人： HAMMAD, Ayman
IPC分类号： G06Q20/00
CPC分类号： G07F7/12 , G06Q20/3552 , G06Q20/40 , G06Q20/4018
摘要： Systems and methods for generating a dynamic verification value for electronic payment transactions are disclosed. The dynamic verification value is generated via a function-based algorithm that accepts a plurality of security values as input. By selecting a set of security values from the plurality of the available security values, the level of complexity and security of the dynamic verification value can be adjusted and a unique security characteristic for the dynamic verification value is obtained. Also, the issuers of portable consumer devices are able to regenerate the dynamic verification value by inputting an issuer secret phrase into the same type of function-based algorithm that was used originally to generate the dynamic verification value.
摘要翻译：公开了用于生成电子支付交易的动态验证值的系统和方法。动态验证值通过基于函数的算法生成，该算法接受多个安全值作为输入。通过从多个可用安全值中选择一组安全值，可以调整动态验证值的复杂程度和安全性，并获得动态验证值的唯一安全特性。此外，便携式消费者设备的发行者能够通过将发行者秘密短语输入到最初用于生成动态验证值的相同类型的基于功能的算法中来再生动态验证值。

10. 发明申请

WO2011109508A2 SYSTEMS AND METHODS USING MOBILE DEVICE IN PAYMENT TRANSACTION 审中-公开
标题翻译：使用移动设备进行付款交易的系统和方法
公开(公告)号：WO2011109508A2
公开(公告)日：2011-09-09
申请号：PCT/US2011/026858
申请日：2011-03-02
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman , HURRY, Simon
发明人： HAMMAD, Ayman , HURRY, Simon
CPC分类号： G06Q20/32 , G06Q20/325 , G06Q20/3278 , G06Q20/383 , G06Q20/40 , G06Q30/0613 , G06Q40/02
摘要： Systems and methods for performing a payment transaction are disclosed. In the embodiments of the invention, a mobile device is used by a user to receive an identifier associated with a piece of merchandise or a service from a merchant. The user then initiates a payment transaction with a remote payment server computer hosted by a third party processor. Upon completion of the payment transaction, the remote payment server computer notifies the user and the merchant that a payment has been made. The merchant then provide the merchandise or the service to the user. In the embodiments of the invention, a payment transaction is performed without exposing or disclosing financial account information of the user to the merchant.
摘要翻译：公开了用于执行支付交易的系统和方法。在本发明的实施例中，用户使用移动设备从商家接收与一件商品相关联的标识符或服务。用户然后启动与由第三方处理器托管的远程支付服务器计算机的支付交易。在支付交易完成时，远程支付服务器计算机通知用户和商家已经进行了支付。然后，商家向用户提供商品或服务。在本发明的实施例中，执行支付交易而不向商家公开或公开用户的金融账户信息。

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