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1. 发明申请

WO2010129317A2 SYSTEM AND METHOD FOR PROVIDING ADVICE TO CONSUMER REGARDING A PAYMENT TRANSACTION 审中-公开
标题翻译：用于向付款人提供付款方式的系统和方法
公开(公告)号：WO2010129317A2
公开(公告)日：2010-11-11
申请号：PCT/US2010032684
申请日：2010-04-28
申请人： VISA INT SERVICE ASS , CARLSON MARK , MAYOR SHALINI
发明人： CARLSON MARK , MAYOR SHALINI
IPC分类号： G06Q20/00 , G06Q50/00
CPC分类号： G06Q20/42 , G06Q20/04 , G06Q20/20 , G06Q20/32 , G06Q20/3223 , G06Q20/3255 , G06Q20/40 , G06Q20/405 , G06Q20/425 , G06Q30/06 , G06Q40/02 , G07F7/10
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：向消费者提供关于支付交易的警报或其他信息的系统，装置和方法。当消费者进行支付交易时，可能会向设备发送警报。警报的内容，用于发送警报的触发器或警报的传送通道可以由消费者设置的一组偏好来确定。响应于警报，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关于交易的建议或信息。消费者在支付交易期间或之后可以产生消费者对帮助，咨询或更多信息的请求。响应于对帮助，建议或信息的请求，本发明可以向消费者提供关于交易可用的信息主题的菜单或列表。

2. 发明申请

WO2010129315A2 SYSTEM AND METHOD FOR PROVIDING CONSUMER TIP ASSISTANCE AS PART OF PAYMENT TRANSACTION 审中-公开
标题翻译：作为付款交易的一部分提供消费者援助的系统和方法
公开(公告)号：WO2010129315A2
公开(公告)日：2010-11-11
申请号：PCT/US2010032679
申请日：2010-04-28
申请人： VISA INT SERVICE ASS , CARLSON MARK , MAYOR SHALINI
发明人： CARLSON MARK , MAYOR SHALINI
IPC分类号： G06Q20/00
CPC分类号： G06Q20/20 , G06Q20/26 , G06Q20/3223 , G06Q20/40 , G06Q20/42
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：公开了进行支付交易的系统，装置和方法。在示例性实施例中，消费者可能希望在支付商品或服务（例如餐馆的餐点）时添加小费或小费。示例性系统可以基于交易产生警报或其他形式的消息，其中警报或消息可以包括提示的建议量和/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针对提示的估计量，当为该交易寻求授权时，估计的量被添加到商品或服务的基本成本。

3. 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。

4. 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。

5. 发明申请

WO2011017196A3 SEEDLESS ANTI PHISHING AUTHENTICATION USING TRANSACTION HISTORY 审中-公开
标题翻译：使用交易历史进行无害化反应验证
公开(公告)号：WO2011017196A3
公开(公告)日：2011-04-28
申请号：PCT/US2010043750
申请日：2010-07-29
申请人： VISA INT SERVICE ASS , 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： 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：公开了用于提供通信和其他消息的认证验证的系统和方法。诸如统一资源定位符（URL）链接的链接被放置在通信中并发送给用户。当用户跟随链接时，呈现来自用户的信用卡或其他财务帐户的个人交易数据的列表。由于个人交易数据对于用户及其金融机构和卡服务公司而言基本上是私人的，并且不被公众所知，所以接收者可以确定该消息真正来自金融机构或卡服务公司，而不是来自钓鱼者。

6. 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。

7. 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。

8. 发明申请

WO2010144661A2 SERVICE ACTIVATION USING ALGORITHMICALLY DEFINED KEY 审中-公开
标题翻译：使用算术关键词进行服务激活
公开(公告)号：WO2010144661A2
公开(公告)日：2010-12-16
申请号：PCT/US2010/038109
申请日：2010-06-10
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , 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。

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