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1. 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。

2. 发明申请

WO2011031450A3 ONLINE WARRANTY HISTORY STORAGE ACCESS 审中-公开
标题翻译：在线担保历史存储访问
公开(公告)号：WO2011031450A3
公开(公告)日：2011-05-26
申请号：PCT/US2010046467
申请日：2010-08-24
申请人： VISA USA 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：确认购买物品的交易的消息可以包括物品和消费者的标识符以及与交易有关的信息。物品标识符用于查找物品的明确保修。消费者标识符（例如，发给消费者的帐户号码）用于定位其中存储明示保证的消费者文件以及与交易有关的至少一部分信息。在各个消息中接收到的其他数据也可以存储在消费者的文件中。此后，消费者标识符可以用于检索存储在文件中用于过去各个购买物品的所有明示保证。关于每个明示保证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的明示保证（例如未过期）。

3. 发明申请

WO2010002858A2 PAYMENT PROCESSING SYSTEM SECURE HEALTHCARE DATA TRAFFICKING 审中-公开
标题翻译：付款处理系统安全卫生数据交易
公开(公告)号：WO2010002858A2
公开(公告)日：2010-01-07
申请号：PCT/US2009/049203
申请日：2009-06-30
申请人： VISA U.S.A. INC. , FAITH, Patrick, L. , POUFALLAH, Stacy , PRUITT, Janet , WEINSTEIN, Russell, D.
发明人： FAITH, Patrick, L. , POUFALLAH, Stacy , PRUITT, Janet , WEINSTEIN, Russell, D.
IPC分类号： G06Q20/00 , G06Q40/00 , G06Q50/00 , G06F21/22
CPC分类号： G06F21/6254 , G06F19/328 , G06F21/602 , G06F2221/2135 , G06Q20/04 , G06Q20/3823 , G06Q20/3829 , G06Q40/08
摘要： Healthcare purchase data from a transaction upon a patient's account may be required to be transported and stored for safeguarding patient confidentiality if sufficient to identify the patient and the purchase. To avoid non-compliance, a transaction hander (TH) receives the data from a merchant's acquirer as encrypted by a key known to both the acquirer and TH. After decrypting the data with that key, the TH re-encrypts it with a key known only to the TH, and then stored. After receiving an issuer's request for the data, the TH decrypts the data using its own key, re-encrypts it using a key known only to the TH and the issuer, and then sends it to the issuer who will decrypt the data using that key. The unencrypted data may be used by the issuer to demonstrate the issuer's regulatory compliance to a governmental entity.
摘要翻译：如果足以识别患者和购买，则可能需要运输并存储来自交易对患者账户的医疗购买数据以保护患者机密性。为了避免违规，交易持有人（TH）从商家的收单方接收数据，并通过收单方和TH都知道的密钥进行加密。用这个密钥解密数据后，TH用一个只知道TH的密钥重新加密它，然后存储。在接收到发行者对数据的请求之后，TH使用其自己的密钥对数据进行解密，使用只有TH和发行者已知的密钥对其进行重新加密，然后将其发送给使用该密钥来解密数据的发行者。发行人可以使用未加密的数据来证明发行人对政府实体的合规性。

4. 发明申请

WO2009094337A3 FINANCIAL TRANSACTION TOKEN 审中-公开
公开(公告)号：WO2009094337A3
公开(公告)日：2009-07-30
申请号：PCT/US2009/031456
申请日：2009-01-20
申请人： VISA U.S.A. INC. , FAITH, Patrick, L. , HAMMAD, Ayman, A.
发明人： FAITH, Patrick, L. , HAMMAD, Ayman, A.
IPC分类号： G06Q40/00
摘要： There is provided a card or token for use in financial transactions. The financial transaction token or card has an onboard energy storage device that enables onboard electronics to operate when the card is not in the proximity of a merchant Point-Of-Service (POS) terminal. In one implementation, the onboard energy storage device includes a capacitor such as a thin- film capacitor that stores sufficient energy to power onboard electronics without the need for an onboard battery. The card may be incorporated within various conventional apparatus such as a see-through and/or protective substrate, an item of clothing, an item of jewelry, a cell phone, a Personal Digital Assistant (PDA), a credit card, an identification card, a money holder, a wallet, a personal organizer, a keychain payment tag, and like personality.

5. 发明申请

WO2009002362A1 MOBILE SUBSCRIBER DEVICE FOR FINANCIAL TRANSACTION TOKENS 审中-公开
标题翻译：用于金融交易的手机用户手册
公开(公告)号：WO2009002362A1
公开(公告)日：2008-12-31
申请号：PCT/US2007/084041
申请日：2007-11-08
申请人： VISA U.S.A. INC. , FAITH, Patrick, L. , HAMMAD, Ayman, A.
发明人： FAITH, Patrick, L. , HAMMAD, Ayman, A.
IPC分类号： H04L9/00
CPC分类号： G06Q20/353 , G06Q20/32 , G06Q20/322 , G06Q20/3274 , G06Q20/3552 , G07F7/0833 , G07F7/0873 , G07F7/10
摘要： There is provided a mobile subscriber unit for a financial transaction token. The subscriber unit interfaces with a financial token or card that is in communication with the subscriber unit. The financial token or card has an onboard energy source so that the card token may operate away from proximity to a merchant terminal (e.g.; a POS terminal). In one implementation, the onboard power storage device includes a rechargeable battery or capacitor such as a thin- film capacitor that stores sufficient energy to power the subscriber unit's onboard electronics and/or the electronics of a financial token in communication with the subscriber unit. The subscriber unit may be a component of another consumer device such as a computing device, communications device, an item of clothing, an item of jewelry, a cell phone, a PDA, an identification card, a money holder, a wallet, a purse, a briefcase, or a personal organizer.
摘要翻译：提供了用于金融交易令牌的移动订户单元。用户单元与与用户单元通信的金融令牌或卡接口。金融令牌或卡具有车载能量源，使得卡令牌可以远离商业终端（例如，POS终端）操作。在一个实施方案中，车载蓄电装置包括可充电电池或诸如薄膜电容器的电容器，其存储足够的能量来为订户单元的板载电子设备和/或与用户单元通信的金融令牌的电子设备供电。订户单元可以是另一个消费者设备的组件，例如计算设备，通信设备，服装项目，珠宝项目，手机，PDA，身份证，货币持有人，钱包，钱包，公文包或个人组织者。

6. 发明申请

WO2009002360A1 APPLIANCE FOR FINANCIAL TRANSACTION TOKENS 审中-公开
标题翻译：器具用于财务交易
公开(公告)号：WO2009002360A1
公开(公告)日：2008-12-31
申请号：PCT/US2007/084019
申请日：2007-11-08
申请人： VISA U.S.A. INC. , FAITH, Patrick, L. , HAMMAD, Ayman, A.
发明人： FAITH, Patrick, L. , HAMMAD, Ayman, A.
IPC分类号： G06G1/14 , G06Q20/00
CPC分类号： G06Q30/06 , G06Q20/367 , H04Q2213/13095
摘要： There is provided an accessory device for a financial transaction token. The accessory has an onboard power storage device that enables a financial token or card that is in communication with the accessory to operate when the card or token is not in the proximity of a merchant terminal (e.g.; a POS terminal). In one implementation, the onboard power storage device includes a rechargeable battery or capacitor such as a thin-film capacitor that stores sufficient energy to power the accessory's onboard electronics and/or the electronics of a financial token in communication with the accessory. The accessory may be a subcomponent of another consumer device such as a computing device, communications device, an item of clothing, an item of jewelry, a cell phone, a PDA, an identification card, a money holder, a wallet, a purse, a briefcase, or a personal organizer.
摘要翻译：提供了用于金融交易令牌的附件设备。附件具有车载电力存储装置，当卡或令牌不在商业终端（例如POS终端）附近时，能够使与附件通信的金融令牌或卡进行操作。在一个实施方式中，车载蓄电装置包括可充电电池或诸如薄膜电容器的电容器，其存储足够的能量来为配件与附件通信的金融令牌的附件的板载电子设备和/或电子设备供电。附件可以是另一消费者设备的子组件，例如计算设备，通信设备，服装项目，首饰项目，手机，PDA，身份证，钱夹，钱包，钱包，公文包或个人组织者。

7. 发明申请

WO2008112028A1 PAYMENT CARD DYNAMICALLY RECEIVING POWER FROM EXTERNAL SOURCE 审中-公开
标题翻译：付款卡从外部来源动态接收电力
公开(公告)号：WO2008112028A1
公开(公告)日：2008-09-18
申请号：PCT/US2007/083936
申请日：2007-11-07
申请人： VISA U.S.A. INC. , FAITH, Patrick, L. , TWOMBLY, Steven, M.
发明人： FAITH, Patrick, L. , TWOMBLY, Steven, M.
IPC分类号： G06K5/00
CPC分类号： G06K19/0723 , G06K19/06196 , G06K19/07703 , G06K19/083 , G06Q20/388 , G07F7/1008
摘要： A plastic bag comprising a first face and a second face, at least a portion of each being 2-ply and having an intermediate space therebetween, the 2-ply portion of the first face having an inner layer of air-impervious plastic material having openings therein; the 2-ply portion of the second face having an outer layer of air-impervious plastic material, the outer layer having openings therein permitting air to pass therethrough, the openings of the outer layer having a smaller average opening area than an average opening area of the openings of the inner layer of the first face; and a filtering chamber formed between the inner layer and the outer layer such that air in an interior of the bag may egress the bag by passing through the filtering chamber, the air being at least partially filtered of particulate matter as it egresses the bag.
摘要翻译：一种塑料袋，包括第一面和第二面，每个的至少一部分为两层并且在其间具有中间空间，第一面的2层部分具有不透气的塑料材料的内层，其具有开口在其中; 第二面的2层部分具有不透气的塑料材料的外层，外层具有允许空气通过的开口，外层的开口具有比平均开口面积小的平均开口面积第一面的内层的开口; 以及形成在所述内层和所述外层之间的过滤室，使得所述袋内部的空气可以通过所述过滤室而排出所述袋，所述空气在其排出所述袋时至少部分地被过滤。

8. 发明申请

WO2002069561A3 DISTRIBUTED QUANTUM ENCRYPTED PATTERN GENERATION AND SCORING 审中-公开
公开(公告)号：WO2002069561A3
公开(公告)日：2002-09-06
申请号：PCT/US2002/005977
申请日：2002-02-26
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , FAITH, Patrick, L. , SIEGEL, Kevin, P.
发明人： FAITH, Patrick, L. , SIEGEL, Kevin, P.
IPC分类号： G06F17/60
摘要： Transaction scoring is performed in a distributed manner across a client-server computing system. A computing system for processing a transaction includes a server system and a client system. The server system is arranged to process information associated with the transaction, while the client system communicates with the server system and includes a key engine which is arranged to generate keys. The client system and the server system are arranged to cooperate to assess risk associated with the transaction. The client is arranged to send the keys generated by the key engine as a transaction to the server system.

9. 发明申请

WO2011028378A2 ANALYZING LOCAL NON-TRANSACTIONAL DATA WITH TRANSACTIONAL DATA IN PREDICTIVE MODELS 审中-公开
标题翻译：在预测模型中分析具有交易数据的本地非交易数据
公开(公告)号：WO2011028378A2
公开(公告)日：2011-03-10
申请号：PCT/US2010/045171
申请日：2010-08-11
申请人： VISA U.S.A. INC. , FAITH, Patrick L. , SIEGEL, Kevin P.
发明人： FAITH, Patrick L. , SIEGEL, Kevin P.
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q30/0224 , G06Q30/0269
摘要： Systems and methods are provided that empowers various parties to combine transactional data and local non-transactional data using the collective intelligence gathered from a variety of sources to help the parties make more intelligent decisions relating to consumers. For example, the system can help select consumers based on the probability that the consumers will take advantage of an offer, coupon, or other item. In some embodiments, the present invention can be deployed as a part of a system that processes transactions. In this system, information associated with the transactions is analyzed in conjunction with non-transactional data in order to probabilistically determine whether a further action should be taken with the consumer.
摘要翻译：提供了系统和方法，使各方能够使用从各种来源收集的集体情报组合事务数据和本地非交易数据，以帮助各方制定与消费者有关的更明智的决策。例如，该系统可以基于消费者将利用优惠券，优惠券或其他物品的概率来帮助选择消费者。在一些实施例中，本发明可以部署为处理事务的系统的一部分。在该系统中，与非交易数据一起分析与交易相关联的信息，以便概率地确定是否应该对消费者采取进一步的行动。

10. 发明申请

WO2009002361A1 POWERING FINANCIAL TRANSACTION TOKEN WITH ONBOARD AND EXTERNAL POWER SOURCE 审中-公开
标题翻译：用ONBOARD和外部电源为金融交易提供动力
公开(公告)号：WO2009002361A1
公开(公告)日：2008-12-31
申请号：PCT/US2007/084032
申请日：2007-11-08
申请人： VISA U.S.A, INC. , FAITH, Patrick, L. , HAMMAD, Ayman, A.
发明人： FAITH, Patrick, L. , HAMMAD, Ayman, A.
IPC分类号： G06K19/06
CPC分类号： G07F7/1008 , G06Q20/341 , G06Q20/3415 , G06Q20/367 , G07F7/084 , G07F7/0866 , G07F7/088
摘要： A card or token used in financial transactions has an onboard energy storage device that enables onboard electronics to operate when the card is not in the proximity of a merchant Point- Of-Service (POS) terminal. In one implementation, the onboard energy storage device includes a capacitor such as a thin-film capacitor that stores sufficient energy to power onboard electronics without the need for an onboard battery. The card or token may be incorporated within various conventional apparatus such as a see-through and/or protective substrate, an item of clothing, an item of jewelry, a cell phone, a Personal Digital Assistant (PDA), a credit card, an identification card, a money holder, a wallet, a personal organizer, a keychain payment tag, and like personality.
摘要翻译：在金融交易中使用的卡或令牌具有车载能量存储装置，当卡不在商务服务点（POS）终端附近时，使得车载电子设备能够操作。在一个实施方式中，车载能量存储装置包括诸如薄膜电容器的电容器，其存储足够的能量来为车载电子设备供电，而不需要车载电池。卡或令牌可以并入各种常规设备中，例如透视和/或保护性基板，服装项目，珠宝项目，手机，个人数字助理（PDA），信用卡，身份证，钱夹，钱包，个人组织者，钥匙扣支付标签等个性。

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