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1. 发明申请

WO2011066381A3 TRANSACTION USING A MOBILE DEVICE WITH AN ACCELEROMETER 审中-公开
标题翻译：使用带加速度计的移动设备进行交易
公开(公告)号：WO2011066381A3
公开(公告)日：2011-09-22
申请号：PCT/US2010057997
申请日：2010-11-24
申请人： VISA INT SERVICE ASS , FAITH PATRICK , CARLSON MARK , HAMMAD AYMAN , REWIS BEN , KOGANTI KRIS
发明人： FAITH PATRICK , CARLSON MARK , HAMMAD AYMAN , REWIS BEN , KOGANTI KRIS
IPC分类号： G01P15/00 , G06Q20/00
CPC分类号： G06F1/1694 , G06F21/40 , G06Q20/10 , G06Q20/32 , G06Q20/3224 , G06Q20/389 , G06Q20/40 , G06Q20/4016 , G06Q20/42 , H04W12/08
摘要： Embodiments of the invention may use a first accelerometer to measure first acceleration data of a first device. Other interaction data, including time data and geographic location data, generated by the first device may also be recorded. First acceleration data is compared by a remote server computer to second acceleration data generated by a second accelerometer in a second device. If the first and second accelerometer data are substantially equal, it can be determined that the devices have interacted and communications can be initiated. After communications are initiated, a financial transaction is conducted. Accelerometer data may be stored and/or used as part of the authentication process in a payment processing network. Other embodiments of the invention use the accelerometer to generate movement security data to make financial transaction more secure. Accelerometer data is used for authentication, security, encryption, session keys, non-repudiation, or fraud protection.
摘要翻译：本发明的实施例可以使用第一加速计来测量第一设备的第一加速度数据。其他交互数据，包括由第一设备生成的时间数据和地理位置数据也可以被记录。第一加速度数据由远程服务器计算机与由第二装置中的第二加速度计生成的第二加速度数据进行比较。如果第一和第二加速计数据基本相等，则可以确定设备已经互相作用并且可以启动通信。通信开始后，进行金融交易。加速度计数据可以被存储和/或用作支付处理网络中的认证过程的一部分。本发明的其他实施例使用加速度计来生成移动安全数据以使金融交易更安全。加速度计数据用于认证，安全性，加密，会话密钥，不可否认性或欺诈保护。

2. 发明申请

WO2011066395A3 INTERACTION TERMINAL 审中-公开
标题翻译：交互式终端
公开(公告)号：WO2011066395A3
公开(公告)日：2011-09-15
申请号：PCT/US2010058014
申请日：2010-11-24
申请人： VISA INT SERVICE ASS , FAITH PATRICK , CARLSON MARK , HAMMAD AYMAN , REWIS BEN , KOGANTI KRIS
发明人： FAITH PATRICK , CARLSON MARK , HAMMAD AYMAN , REWIS BEN , KOGANTI KRIS
IPC分类号： G01P15/00 , G06Q20/00 , H04W4/02
CPC分类号： G06F1/1694 , G06F21/40 , G06Q20/10 , G06Q20/32 , G06Q20/3224 , G06Q20/389 , G06Q20/40 , G06Q20/4016 , G06Q20/42 , H04W12/08
摘要： Embodiments of the present invention are directed to systems, apparatuses and methods for using a mobile device with an accelerometer to conduct a financial transaction by making contact with an interaction terminal, thereby generating interaction data that is representative of the physical contact between the mobile device and the interaction terminal. The mobile device may be a mobile phone. The interaction terminal may be a point of sale terminal, access point device, or any other stationary (i.e., in a fixed position) device positioned at a line, door, gate, or entrance. A mobile device with an accelerometer physically contacts the interaction terminal. The interaction terminal flexes, recoils, or moves and generates interaction data (e.g., accelerometer, location, time data, etc.) representative of the physical interaction between the mobile device and the interaction terminal. A server computer determines, based on interaction data, that the mobile device and the interaction terminal made physical contact. After determining that the mobile device and the interaction terminal made contact, communication may be initiated between the devices. Communications may relate to processing a payment transaction using a payment processing network.
摘要翻译：本发明的实施例涉及用于使用具有加速度计的移动设备通过与交互终端进行联系来进行金融交易的系统，装置和方法，从而生成表示移动设备与移动设备之间的物理接触的交互数据交互终端。移动设备可以是移动电话。交互终端可以是销售点终端，接入点设备或位于线路，门，门或入口处的任何其它固定（即固定位置）设备。具有加速度计的移动设备物理地接触交互终端。交互终端弯曲，反冲或移动并生成表示移动设备和交互终端之间的物理交互的交互数据（例如，加速度计，位置，时间数据等）。服务器计算机基于交互数据来确定移动设备和交互终端进行物理接触。在确定移动设备和交互终端进行联系之后，可以在设备之间发起通信。通信可以涉及使用支付处理网络处理支付交易。

3. 发明申请

WO2010129246A3 MERCHANT COMPETITION ALERT 审中-公开
标题翻译：商业竞争报告
公开(公告)号：WO2010129246A3
公开(公告)日：2011-02-17
申请号：PCT/US2010032496
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： G06Q30/00
CPC分类号： G06Q20/3221 , G06Q20/32 , G06Q30/0251 , G06Q30/0267
摘要： Embodiments of the present invention are directed to a system and method for determining the products involved in a transaction, and transmitting messages containing product specific data. Systems may be implemented to product identifiers during payment processing. The messages may be sent including product identifiers, and further information regarding the products associated with the product identifiers.
摘要翻译：本发明的实施例涉及用于确定交易中涉及的产品的系统和方法，以及发送包含产品特定数据的消息。系统可以在支付处理期间实现到产品标识符。可以发送消息，包括产品标识符，以及关于与产品标识符相关联的产品的进一步信息。

4. 发明申请

WO2010129333A2 MERCHANT ALERT BASED SYSTEM AND METHOD INCLUDING CUSTOMER PRESENCE NOTIFICATION 审中-公开
标题翻译：基于商业警报的系统和包括客户存在通知的方法
公开(公告)号：WO2010129333A2
公开(公告)日：2010-11-11
申请号：PCT/US2010032756
申请日：2010-04-28
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： G06Q30/00 , G06Q50/00
CPC分类号： G06Q20/206 , G06Q30/02 , G06Q30/0201 , G06Q30/0269 , G06Q50/182 , G06Q50/265 , H04L67/22
摘要： Embodiments of the present invention disclosed herein include systems and methods for sending merchant alert messages. The merchant can specify criteria indicating the types of customers for which he desires to receive alerts. Merchant alert messages can be sent based on characteristics of a customer, including the customer's proximity to the merchant. The merchant can use the alert message to provide better service to the customer or prevent the customer from engaging in transactions, depending on the contents of the merchant alert message.
摘要翻译：本文公开的本发明的实施例包括用于发送商家警报消息的系统和方法。商家可以指定指示他希望接收警报的客户类型的标准。可以根据客户的特征（包括客户与商家的邻近度）发送商家警报消息。商家可以根据商家警报消息的内容，使用警报消息为客户提供更好的服务或阻止客户从事交易。

5. 发明申请

WO2012112941A3 METHOD AND SYSTEM FOR MANAGING DATA AND ENABLING PAYMENT TRANSACTIONS BETWEEN MULTIPLE ENTITIES 审中-公开
标题翻译：管理数据的方法和系统，并实现了多个实体之间的支付交易
公开(公告)号：WO2012112941A3
公开(公告)日：2013-02-28
申请号：PCT/US2012025721
申请日：2012-02-17
申请人： VISA INT SERVICE ASS , FAITH PATRICK , CARLSON MARK , HARRIS THEODORE D
发明人： FAITH PATRICK , CARLSON MARK , HARRIS THEODORE D
IPC分类号： G06Q20/40
CPC分类号： G06Q20/401 , G06Q20/02 , G06Q20/027 , G06Q20/12
摘要： A system for conducting payment transaction includes a network-enabled server that communicates with one or more user devices, other network-enabled server computers, and a payment processing network server computer. The network-enabled server facilitates transactions between one or more merchants and users by a managing data flow and interactions between the merchants and the users, providing storage area for storing of all transaction related documents, and providing seamless integration with a payment processing network for payment processing.
摘要翻译：用于执行支付交易的系统包括与一个或多个用户设备，其他启用网络的服务器计算机以及支付处理网络服务器计算机进行通信的启用网络的服务器。支持网络的服务器通过管理数据流和商家与用户之间的交互来促进一个或多个商家和用户之间的交易，提供用于存储所有交易相关文档的存储区域，以及提供与支付处理网络的无缝集成以进行支付处理。

6. 发明申请

WO2011047331A3 ANTI-PHISHING SYSTEM AND METHOD INCLUDING LIST WITH USER DATA 审中-公开
标题翻译：防盗系统和包含用户数据列表的方法
公开(公告)号：WO2011047331A3
公开(公告)日：2011-07-14
申请号：PCT/US2010052938
申请日：2010-10-15
申请人： VISA INT SERVICE ASS , CARLSON MARK , FAITH PATRICK
发明人： CARLSON MARK , FAITH PATRICK
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/382 , G06Q10/10 , G06Q20/3674
摘要： A server computer is disclosed. It comprises a processor and a computer readable medium coupled to the processor. The computer readable medium comprises code executable by the processor for implementing a method comprising: (i) receiving a request to conduct a transaction, (ii) providing a user interface to a user in response to the request, wherein the user interface includes a list of candidate identification tokens, wherein the list of candidate identification tokens includes an authentic identification token and one or more non-authentic identification tokens, wherein the authentic identification token is associated with a user account.
摘要翻译：公开了服务器计算机。它包括耦合到处理器的处理器和计算机可读介质。计算机可读介质包括可由处理器执行的代码，用于实现一种方法，包括：（i）接收进行交易的请求，（ii）响应于所述请求向用户提供用户界面，其中所述用户界面包括列表候选标识令牌的列表，其中所述候选标识令牌的列表包括真实的标识令牌和一个或多个非真实的标识令牌，其中所述真实的标识令牌与用户帐户相关联。

7. 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。

8. 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。

9. 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。

10. 发明申请

WO2009158570A3 SYSTEMS AND METHODS FOR GEOGRAPHIC LOCATION NOTIFICATIONS OF PAYMENT TRANSACTIONS 审中-公开
标题翻译：支付交易地理位置通知系统与方法
公开(公告)号：WO2009158570A3
公开(公告)日：2010-04-15
申请号：PCT/US2009048780
申请日：2009-06-26
申请人： VISA INT SERVICE ASS , CARLSON MARK , FAITH PATRICK
发明人： CARLSON MARK , FAITH PATRICK
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/3226 , G06Q20/04 , G06Q20/12 , G06Q20/20 , G06Q20/32 , G06Q20/3223 , G06Q20/3224 , G06Q20/325 , G06Q20/3255 , G06Q20/341 , G06Q20/347 , G06Q20/354 , G06Q20/40 , G06Q20/425 , G07F7/08
摘要： A method and system for providing geographic location notifications of payment transactions is disclosed. One embodiment of the invention is directed to a method including receiving an authorization request message associated with a transaction, the transaction associated with a portable consumer device and an access device at a merchant. A geographic location of the transaction is determined. It is determined whether a notification message indicating that the transaction is occurring is required. Upon determining that the notification message is required, the notification message is sent to a notification device operated by a consumer and the notification device receives the notification message substantially simultaneously with the merchant's receipt of an authorization response message. A graphical depiction of the notification message is displayed on a map on the notification device.
摘要翻译：公开了一种用于提供支付交易的地理位置通知的方法和系统。本发明的一个实施例涉及一种方法，包括接收与交易相关联的授权请求消息，与便携式消费者设备相关联的交易以及商家处的访问设备。确定交易的地理位置。确定是否需要指示事务正在发生的通知消息。一旦确定需要通知消息，则通知消息被发送到由消费者操作的通知装置，并且通知装置在商家接收到授权响应消息的同时基本同时接收到通知消息。在通知装置的地图上显示通知消息的图形描述。

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