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1. 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。

2. 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。

3. 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。

4. 发明申请

WO2010129346A3 ALERT PRIORITIZATION LOGIC 审中-公开
标题翻译：提醒优先逻辑
公开(公告)号：WO2010129346A3
公开(公告)日：2011-02-17
申请号：PCT/US2010032790
申请日：2010-04-28
申请人： VISA INT SERVICE ASS , HAMMAD AYMAN , CARLSON MARK
发明人： HAMMAD AYMAN , CARLSON MARK
IPC分类号： G06Q30/00 , G06Q20/00 , G06Q50/00
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： A first embodiment of the present invention relates to systems and methods for determining a priority for a set of alert triggers and performing additional processing based on the determined priority. In some embodiments, additional processing may include generating and sending of alert messages. In other embodiments, additional processing may further include determining that the generating and sending of alert messages are to be delayed until a later time. In yet other embodiments, additional processing may include determining that no alert message is to be generated and sent. A second embodiment of the present invention relates to systems and methods for dynamically selecting a delivery channel and generating an alert message for the selected delivery channel. In some embodiments, the alert message may be formatted based on the selected delivery channel. According to one embodiment, the alert message may be generated based on a compact protocol format. When the alert message is received by a mobile device, the mobile device may use the alert message to generate a second alert message.
摘要翻译：本发明的第一实施例涉及用于确定一组警报触发的优先级并基于所确定的优先级执行附加处理的系统和方法。在一些实施例中，附加处理可以包括生成和发送警报消息。在其他实施例中，附加处理可以进一步包括确定警报消息的生成和发送将被延迟到稍后的时间。在其他实施例中，附加处理可以包括确定不生成和发送警报消息。本发明的第二实施例涉及用于动态选择递送信道并为所选择的递送信道生成警报消息的系统和方法。在一些实施例中，警报消息可以基于所选择的传递信道被格式化。根据一个实施例，可以基于紧凑协议格式生成警报消息。当移动设备接收到警报消息时，移动设备可以使用警报消息来生成第二警报消息。

5. 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。

6. 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。

7. 发明申请

WO2010036615A3 INTELLIGENT ALERT SYSTEM AND METHOD 审中-公开
标题翻译：智能警报系统和方法
公开(公告)号：WO2010036615A3
公开(公告)日：2010-06-10
申请号：PCT/US2009057693
申请日：2009-09-21
申请人： VISA INT SERVICE ASS , HAMMAD AYMAN , CARLSON MARK
发明人： HAMMAD AYMAN , CARLSON MARK
IPC分类号： H04W4/12 , G06Q50/00
CPC分类号： G06Q20/32 , G06Q20/10 , G06Q20/20 , G06Q20/403 , H04W4/12
摘要： A system and method for generating an intelligent alert message is disclosed. A user enrolls in the messaging service. Information that the user provides during the enrollment process are sent into a database. the user performs a transaction using a portable consumer device. Transaction data are sent to a computer apparatus. The computer apparatus accesses the database containing alert customization data. An intelligent alert message is generated based on the transaction data and the alert customization data. The intelligent alert message is sent to a user device. For example, after a user uses a portable consumer device to buy gas at a fuel dispenser in a gas purchase transaction, an alert message that is received by a user's phone may be "This is a gas purchase transaction. The amount may vary." In this example, the amount of the purchase is not known until after the user buys gas.
摘要翻译：公开了一种用于产生智能警报消息的系统和方法。用户注册消息传递服务。在注册过程中用户提供的信息被发送到数据库。用户使用便携式消费者设备执行交易。事务数据被发送到计算机装置。计算机装置访问包含警报定制数据的数据库。基于事务数据和警报定制数据生成智能警报消息。智能警报消息被发送到用户设备。例如，在用户使用便携式消费者装置在燃气采购交易中在燃料分配器上购买气体的情况下，用户电话接收到的警报消息可以是“这是一个采购气体的交易，数量可能会变化”。在这个例子中，购买量在用户购买气体之前是不知道的。

8. 发明申请

WO2012112822A3 SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译： SNAP MOBILE PAYMENT APPARATUSES，METHODS AND SYSTEMS
公开(公告)号：WO2012112822A3
公开(公告)日：2012-10-18
申请号：PCT/US2012025530
申请日：2012-02-16
申请人： VISA INT SERVICE ASS , HAMMAD AYMAN , KARPENKO IGOR , GAVRILOV MIROSLAV , SHRIVASTAVA ABHINAV , CARLSON MARK , HARIRAMANI PRAKASH
发明人： HAMMAD AYMAN , KARPENKO IGOR , GAVRILOV MIROSLAV , SHRIVASTAVA ABHINAV , CARLSON MARK , HARIRAMANI PRAKASH
IPC分类号： G06Q20/00
CPC分类号： G06Q20/3674 , G06Q20/20 , G06Q20/204 , G06Q20/3276 , G06Q30/06
摘要： The SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS ("SNAP") transform real-time-generated merchant-product Quick Response codes via SNAP components into virtual wallet card-based transaction purchase notifications. In one embodiment, the SNAP obtains a snapshot of a QR code presented on a display screen of a point-of-sale device from a mobile device. The SNAP decodes the QR code to obtain product information included in a checkout request of the user, and merchant information for processing a user purchase transaction with a merchant providing the QR code. The SNAP accesses a user virtual wallet to obtain user account information to process the user purchase transaction with the merchant. Using the product information, merchant information and user account information, the SNAP generates a card authorization request, and which the SNAP provides to a payment network for transaction processing. Also, the SNAP obtains a purchase receipt confirming processing of the user purchase transaction.
摘要翻译： SNAP MOBILE PAYMENT APPARATUSES，METHODS AND SYSTEMS（“SNAP”）通过SNAP组件将实时生成的商品快速响应代码转换成基于虚拟钱包卡的交易购买通知。在一个实施例中，SNAP从移动设备获得在销售点设备的显示屏上呈现的QR码的快照。 SNAP解码QR码以获得包括在用户的结账请求中的产品信息以及用于与提供QR码的商家处理用户购买交易的商家信息。 SNAP访问用户虚拟钱包以获取用户账户信息以处理与商户的用户购买交易。使用产品信息，商户信息和用户账户信息，SNAP生成卡授权请求，SNAP将其提供给支付网络进行交易处理。此外，SNAP获得确认用户购买交易处理的购买收据。

9. 发明申请

WO2012040345A3 THIRD PARTY INTEGRATED SECURITY SYSTEM 审中-公开
标题翻译：第三方综合安全体系
公开(公告)号：WO2012040345A3
公开(公告)日：2012-05-31
申请号：PCT/US2011052580
申请日：2011-09-21
申请人： VISA INT SERVICE ASS , CARLSON MARK , HAMMAD AYMAN
发明人： CARLSON MARK , HAMMAD AYMAN
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/3223 , G06Q20/10 , G06Q20/325 , G06Q20/363 , G06Q20/3672
摘要： A third party payment system is provided which allows a user to conduct transactions through payment accounts stored on the third party payment system. The user can enroll in the third party payment system and create an account with registered payment accounts. The user can access the payment accounts via a mobile device and load the payment data associated with a payment account to the mobile device. The user can then utilize the mobile device to provide payment during a transaction.
摘要翻译：提供了第三方支付系统，其允许用户通过存储在第三方支付系统上的支付账户进行交易。用户可以注册第三方支付系统，并创建一个注册支付账户的帐户。用户可以通过移动设备访问支付帐户，并将与支付帐户相关联的支付数据加载到移动设备。然后，用户可以利用移动设备在交易期间提供支付。

10. 发明申请

WO2011031419A3 CONTACT ALERT SYSTEM AND METHOD 审中-公开
标题翻译：联系提醒系统和方法
公开(公告)号：WO2011031419A3
公开(公告)日：2011-06-03
申请号：PCT/US2010045785
申请日：2010-08-17
申请人： VISA INT SERVICE ASS , HAMMAD AYMAN , CARLSON MARK
发明人： HAMMAD AYMAN , CARLSON MARK
IPC分类号： G06Q40/00 , G06Q20/00 , H04W4/14 , H04W4/90
CPC分类号： G06Q20/42 , G06Q30/06 , G06Q40/12 , H04W4/12
摘要： Embodiments of the present invention are directed to a system and method for receiving transaction data for a transaction, accessing a database comprising alert preference data, generating a contact alert message using the transaction data and alert preference data using a notification server coupled to the database wherein the contact alert message comprises contact information of a first person who conducted the transaction, and sending the contact alert message to a notification device of a second person.
摘要翻译：本发明的实施例涉及一种用于接收交易的交易数据的系统和方法，访问包括警报偏好数据的数据库，使用耦合到数据库的通知服务器使用事务数据和警报偏好数据生成联系人警报消息，其中，联系人警报消息包括进行交易的第一人的联系人信息，并且将联系人警报消息发送到第二人的通知装置。

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