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1. 发明申请

WO2010059929A3 AUTHENTICATION OF DOCUMENTS HAVING A MAGNETIC STRIPE 审中-公开
标题翻译：具有磁条的文件的认证
公开(公告)号：WO2010059929A3
公开(公告)日：2010-08-26
申请号：PCT/US2009065303
申请日：2009-11-20
申请人： VISA INT SERVICE ASS , FANG XIANG , FAITH PATRICK , KATO CRAIG , HAMMAD AYMAN , KOGANTI KRISHAN PRASAD
发明人： FANG XIANG , FAITH PATRICK , KATO CRAIG , HAMMAD AYMAN , KOGANTI KRISHAN PRASAD
IPC分类号： G06K19/12
CPC分类号： G06K19/12 , G07D7/04
摘要： Methods, systems, and apparatus for efficiently authenticating a document (e.g. a credit card) having a magnetic stripe are provided. The magnetic field at different points of the magnetic stripe are measured, e.g., by a checkout scanner to create a magnetic signature. Digital samples of the measurements may be transformed into coefficients of continuous basis functions, e.g., a Fourier transform. These coefficients are then compared to reference values (e.g. corresponding coefficients) to produce a measure of the authenticity of the document. The number of coefficients used can advantageously be smaller than the number of digital samples without compromising accuracy, thus using less bandwidth between a scanner and an authentication entity. The reference values can be updated over time to reflect changes in the magnetic stripe of the authentic document, as may occur due to physical deterioration. For example, reference values may be optimized based on recent measurements of the authenticated document to provide a more accurate determination of authenticity for future measurements. Methods, systems, and apparatus for verifying the identity of a cardholder are also provided. A digital representation of a magnetic characteristic of a magnetic stripe of the card can be stored on a portable electronic device of the cardholder. During a transaction, the digital signature is then transmitted so that it can be compared with a reference signature. The identity may be verified, and a response sent to a party requesting the verification, e.g., during a transaction between the requesting party and the verified party.
摘要翻译：提供了用于有效地认证具有磁条的文档（例如，信用卡）的方法，系统和装置。例如通过检验扫描器来测量磁条的不同点处的磁场以产生磁性签名。测量的数字样本可以被变换为连续基函数的系数，例如傅里叶变换。然后将这些系数与参考值（例如相应的系数）进行比较以产生文档的真实性的量度。所使用的系数的数量可以有利地小于数字样本的数量，而不损害精度，因此在扫描仪和认证实体之间使用更少的带宽。可以随时间更新参考值，以反映由于物理劣化可能发生的可靠文件的磁条的变化。例如，可以基于认证文件的最近测量来优化参考值，以提供对未来测量的真实性的更准确的确定。还提供了用于验证持卡人身份的方法，系统和装置。卡的磁条的磁特性的数字表示可以存储在持卡人的便携式电子设备上。在交易期间，然后传输数字签名，使得它可以与参考签名进行比较。可以验证身份，以及发送给请求验证的一方的响应，例如在请求方和被验证方之间的交易期间。

2. 发明申请

WO2010121137A3 ENROLLMENT SERVER 审中-公开
标题翻译： ENROLLING服务器
公开(公告)号：WO2010121137A3
公开(公告)日：2011-01-20
申请号：PCT/US2010031402
申请日：2010-04-16
申请人： VISA INT SERVICE ASS , FAITH PATRICK , HAMMAD AYMAN , COYNE JACK
发明人： FAITH PATRICK , HAMMAD AYMAN , COYNE JACK
IPC分类号： G06F21/20 , G06Q20/00
CPC分类号： G06Q20/3255 , G06Q20/00 , G06Q20/3223 , G06Q20/4016 , G06Q20/405 , G06Q30/0201 , G06Q40/02 , G06Q40/12
摘要： Systems, methods and apparatus for processing enrollment requests are provided. Enrollment requests may be sent from a user to an enrollment server. The enrollment server may verify the information in the enrollment request with entities that may contain authoritative data reflecting the validity of the information in the enrollment request. The authenticity of devices involved in the enrollment request may also be verified. In addition, the user's transaction history can be reviewed to determine if the enrollment fits the user's transaction history profile. Based on the verified information and a level of risk associated with the enrollment, the enrollment server may allow or deny the enrollment request.
摘要翻译：提供了用于处理注册请求的系统，方法和装置。注册请求可以从用户发送到注册服务器。注册服务器可以使用可能包含反映注册请求中的信息的有效性的权威数据的实体来验证注册请求中的信息。注册请求中涉及的设备的真实性也可以被验证。此外，可以审查用户的交易历史以确定注册是否符合用户的交易历史资料。根据验证信息和与注册相关的风险级别，注册服务器可以允许或拒绝注册请求。

3. 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。

4. 发明申请

WO2008016752A3 VERIFICATION ERROR REDUCTION SYSTEM 审中-公开
标题翻译：验证错误减少系统
公开(公告)号：WO2008016752A3
公开(公告)日：2008-04-17
申请号：PCT/US2007071479
申请日：2007-06-18
申请人： VISA INT SERVICE ASS , VISA USA INC , FAITH PATRICK , HAMMAD AYMAN
发明人： FAITH PATRICK , HAMMAD AYMAN
IPC分类号： H04K1/00
CPC分类号： G06Q20/3829 , G06Q20/085 , G06Q20/105 , G06Q20/20 , G06Q20/204 , G06Q20/367 , G06Q20/3672 , G06Q20/3674 , G06Q20/382 , G06Q20/3821 , G06Q20/385 , G06Q20/40 , G06Q20/401 , G06Q30/06 , G06Q40/00 , G06Q2220/00 , H04L9/3271 , H04L2209/56
摘要： A method is disclosed. The method includes a) receiving a dynamic data element and a first verification value derived from the dynamic data element, wherein the first verification value is generated in response to a transaction conducted using a portable consumer device, b) determining if the dynamic data element is within a predetermined range, c) if the dynamic data element is within the predetermined range, generating a second verification value, d) determining if the second verification value matches the first verification value, or if the second verification value is otherwise acceptable, and e) initiating the approval the transaction if the second verification value matches the first verification value.
摘要翻译：公开了一种方法。该方法包括：a）接收来自动态数据元素的动态数据元素和第一验证值，其中响应于使用便携式消费者设备进行的交易而产生第一验证值，b）确定动态数据元素是否为在预定范围内，c）如果所述动态数据元素在所述预定范围内，则产生第二验证值，d）确定所述第二验证值是否与所述第一验证值相匹配，或者所述第二验证值是否可接受，并且e ）如果第二验证值与第一验证值匹配，则开始批准交易。

5. 发明申请

WO2007149787A2 TERMINAL DATA ENCRYPTION 审中-公开
标题翻译：终端数据加密
公开(公告)号：WO2007149787A2
公开(公告)日：2007-12-27
申请号：PCT/US2007071386
申请日：2007-06-15
申请人： VISA USA INC , VISA INT SERVICE ASS , HAMMAD AYMAN , FAITH PATRICK
发明人： HAMMAD AYMAN , FAITH PATRICK
IPC分类号： H04L9/00
CPC分类号： G06Q20/3829 , G06Q20/085 , G06Q20/105 , G06Q20/20 , G06Q20/204 , G06Q20/367 , G06Q20/3672 , G06Q20/3674 , G06Q20/382 , G06Q20/3821 , G06Q20/385 , G06Q20/40 , G06Q20/401 , G06Q30/06 , G06Q40/00 , G06Q2220/00 , H04L9/3271 , H04L2209/56
摘要： A method is disclosed. The method includes generating an initial key after interacting with an access device, storing the initial key at a key storage location, altering the initial key with a public key to form an altered key, and sending the altered key to a server computer along with an identifier for the access device. The altered key is changed to the initial key at the server computer and is stored with the identifier in a database in operative communication with the server computer. The initial keys that are stored at the key storage location and in the database are used to alter and restore transaction data associated with multiple financial transactions that are conducted using the access device.
摘要翻译：公开了一种方法。该方法包括在与接入设备交互之后产生初始密钥，将密钥存储在密钥存储位置，用公钥改变初始密钥以形成改变的密钥，以及将修改的密钥发送到服务器计算机以及访问设备的标识符。改变的密钥在服务器计算机上被更改为初始密钥，并且将该标识符存储在与服务器计算机可操作地通信的数据库中。存储在密钥存储位置和数据库中的初始密钥用于改变和恢复与使用访问设备进行的多个金融交易相关联的交易数据。

6. 发明申请

WO2009055704A3 DEVICE INCLUDING MULTIPLE PAYMENT APPLICATIONS 审中-公开
标题翻译：设备包括多种付款应用
公开(公告)号：WO2009055704A3
公开(公告)日：2009-09-17
申请号：PCT/US2008081166
申请日：2008-10-24
申请人： VISA INT SERVICE ASS , HAMMAD AYMAN , FAITH PATRICK
发明人： HAMMAD AYMAN , FAITH PATRICK
IPC分类号： G06Q20/00 , G06F9/44
CPC分类号： G06Q20/32 , G06Q20/10 , G06Q20/20 , G06Q20/227 , G06Q20/3278 , G06Q20/3574 , G06Q20/40
摘要： Embodiments of the invention are directed to a method, a system, a device and a computer-readable media for selecting one or more payment application at the point-of-sale and using the select one or more payment applications to conduct a transaction. One embodiment is directed to a method for automatically selecting one or more payment applications to use in a transaction so that the selected payment applications give the consumer an optimized benefit or benefits.
摘要翻译：本发明的实施例涉及用于在销售点选择一个或多个支付应用并使用所选择的一个或多个支付应用进行交易的方法，系统，设备和计算机可读介质。一个实施例涉及一种用于自动选择在交易中使用的一个或多个支付应用程序的方法，使得所选择的支付应用给予消费者优化的收益或收益。

7. 发明申请

WO2012092293A3 MIXED MODE TRANSACTION PROTOCOL 审中-公开
标题翻译：混合模式事务协议
公开(公告)号：WO2012092293A3
公开(公告)日：2012-10-26
申请号：PCT/US2011067421
申请日：2011-12-27
申请人： VISA INT SERVICE ASS , HAMMAD AYMAN , FAITH PATRICK
发明人： HAMMAD AYMAN , FAITH PATRICK
IPC分类号： H04W92/18 , G06Q20/10 , H04W88/02
CPC分类号： G06Q20/32 , G06Q20/20 , G06Q20/382 , G06Q20/425
摘要： As opposed to using one type of technology from the beginning of a transaction to the end of a transaction at the point of sale, embodiments of the present invention are related to useful techniques for conducting mixed mode transactions. A mixed mode transaction combines at least two modes of communication used in transaction processing. A transaction may start by initiating the transaction using a first communication mode between a first device and a second device. The first device may be a consumers mobile device, and the device may be a merchant access device or point of sale terminal. To continue the transaction, a second mode of communication may be initiated. The second mode of communication may be dependent on the first mode or independent. The first and second modes of communication may operated simultaneously. The first and second communications modes may be a physical interaction-based mode, a contact or contactless chip mode, a Bluetooth mode, a WiFi mode, an infrared (IR) mode, or any other suitable communication mode.
摘要翻译：与使用从交易开始到销售点交易结束时的一种技术相反，本发明的实施例涉及用于进行混合模式交易的有用技术。混合模式事务组合了用于事务处理的至少两种通信模式。事务可以通过使用第一设备和第二设备之间的第一通信模式发起事务来开始。第一设备可以是消费者移动设备，并且设备可以是商家访问设备或销售点终端。为了继续交易，可以启动第二种通信模式。第二种通信模式可能取决于第一种模式或独立。第一和第二种通信模式可以同时操作。第一和第二通信模式可以是基于物理交互的模式，接触式或非接触式芯片模式，蓝牙模式，WiFi模式，红外（IR）模式或任何其他合适的通信模式。

8. 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。

9. 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。

10. 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。

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