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1. 发明申请

WO2011153281A3 TRUSTED INTERNAL INTERFACE 审中-公开
标题翻译： TRUSTED内部界面
公开(公告)号：WO2011153281A3
公开(公告)日：2012-02-23
申请号：PCT/US2011038817
申请日：2011-06-01
申请人： VISA INT SERVICE ASS , MAKHOTIN OLEG , HILL TRUDY , WONG ERICK , MAKARENKO OLEG , NGO HAO , AABYE CHRISTIAN , THAW WILLIAM ALEXANDER
发明人： MAKHOTIN OLEG , HILL TRUDY , WONG ERICK , MAKARENKO OLEG , NGO HAO , AABYE CHRISTIAN , THAW WILLIAM ALEXANDER
IPC分类号： G06Q20/00
CPC分类号： G06Q20/322 , G06Q20/10 , G06Q20/105 , G06Q20/202 , G06Q20/32 , G06Q20/3226 , G06Q20/3229 , G06Q20/327 , G06Q20/3278 , G06Q20/34 , G06Q20/3563 , G06Q20/357 , G06Q20/3574 , G06Q30/0226 , G06Q30/0641 , G07F7/10
摘要： An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.
摘要翻译：支付设备的接口和设备架构。安装在支付设备中的支付应用程序和还安装在支付设备中的一个或多个增值应用程序（例如忠诚度程序，转接应用程序等）之间的界面。 API或接口设计允许支付应用程序和一个或多个增值应用程序之间的通信和数据传输。这减少了（并且在某些情况下可能阻止）需要后端服务器处理可能与支付交易和增值应用程序的功能相关的数据。类似地，相同或另一个API或接口可以实现增值应用和支付应用之间的通信和数据传输。

2. 发明申请

WO2007038743A2 DEVICE, SYSTEM AND METHOD FOR REDUCING AN INTERACTION TIME FOR A CONTACTLESS TRANSACTION 审中-公开
标题翻译：用于减少无接触事务的交互时间的装置，系统和方法
公开(公告)号：WO2007038743A2
公开(公告)日：2007-04-05
申请号：PCT/US2006038047
申请日：2006-09-28
申请人： VISA INT SERVICE ASS , HILL TRUDY , SAHOTA JAGDEEP SINGH , AABYE CHRISTIAN , WAGNER KIM , OCHIEANO ANITA , OPPENLANDER CAROLE , CHAN WILLIAM CHI YUEN , GLENDENNING CRAIG ALLEN
发明人： HILL TRUDY , SAHOTA JAGDEEP SINGH , AABYE CHRISTIAN , WAGNER KIM , OCHIEANO ANITA , OPPENLANDER CAROLE , CHAN WILLIAM CHI YUEN , GLENDENNING CRAIG ALLEN
IPC分类号： A01N43/40 , G06Q20/04 , G06Q20/34 , G06Q20/36 , G06Q20/38 , G06Q20/40 , G06Q30/06
CPC分类号： G06Q20/352 , G06K7/0008 , G06Q20/04 , G06Q20/3674 , G06Q20/382 , G06Q20/38215 , G06Q20/3825 , G06Q20/40 , G06Q20/401 , G06Q20/4016 , G06Q20/409 , G06Q30/06 , G07F7/0826 , G07F7/088 , G07F7/1008 , G07F7/1016
摘要： A method. The method comprises, at a reader, performing at least one transaction-based risk management process prior to energizing a contactless interface, initiating communication with a card utilized for the contactless transaction, receiving information associated with the card, and terminating communication with the card prior to authorizing the contactless transaction.
摘要翻译：一个方法。该方法包括，在读取器处，在激励非接触式接口之前执行至少一个基于交易的风险管理过程，发起与用于非接触式交易的卡的通信，接收与卡相关联的信息，以及终止与卡之前的通信授权非接触式交易。

3. 发明申请

WO2010033944A3 OVER THE AIR MANAGEMENT OF PAYMENT APPLICATION INSTALLED IN MOBILE DEVICE 审中-公开
标题翻译：移动设备上安装的付款应用程序的空气管理
公开(公告)号：WO2010033944A3
公开(公告)日：2010-06-24
申请号：PCT/US2009057732
申请日：2009-09-21
申请人： VISA INT SERVICE ASS , AABYE CHRISTIAN , BRAND OLIVIER , LINDELSEE MIKE , MIRIZZI JOSEPH , NGO HAO , SHENKER GAVIN , WHITE LAUREN , WILSON DAVID
发明人： AABYE CHRISTIAN , BRAND OLIVIER , LINDELSEE MIKE , MIRIZZI JOSEPH , NGO HAO , SHENKER GAVIN , WHITE LAUREN , WILSON DAVID
IPC分类号： G06Q20/00 , H04B1/40
CPC分类号： G06Q20/3227 , G06Q20/32 , G06Q20/325 , G06Q20/40 , G06Q20/401 , G06Q20/4014 , H04L63/102
摘要： Systems, apparatus, and methods for managing a payment application installed on a mobile device, such as a mobile phone are provided. An Issuer of a payment device can remotely control the payment application by instructing a wireless network carrier or operator to transmit a message to the mobile phone, where the message contains an instruction to perform an operation related to the payment application. The Issuer can remotely reset a counter or a password associated with the payment application, lock or unlock a payment application, and set the access control data to a predetermined value, to prevent unauthorized use of the payment application in the situation in which the mobile phone is lost or stolen, or the Issuer desires to limit access to the payment application for other reasons, such as limiting its exposure to unauthorized uses of the payment device.
摘要翻译：提供了用于管理安装在诸如移动电话的移动装置上的支付应用的系统，设备和方法。支付设备的发行者可以通过指示无线网络运营商或运营商向移动电话发送消息来远程控制支付应用，其中消息包含执行与支付应用有关的操作的指令。发行者可以远程重置与支付应用程序相关的计数器或密码，锁定或解锁支付应用程序，并将访问控制数据设置为预定值，以防止在移动电话的情况下未经授权使用支付应用程序丢失或被盗，或者发行人出于其他原因希望限制对支付应用程序的访问，例如限制其对未经授权使用支付设备的风险。

4. 发明申请

WO2005020012A3 GENERATING A DYNAMIC VERIFICATION VALUE 审中-公开
标题翻译：产生动态验证值
公开(公告)号：WO2005020012A3
公开(公告)日：2007-06-21
申请号：PCT/US2004026813
申请日：2004-08-18
申请人： VISA INT SERVICE ASS , SAHOTA JAGDEEP SINGH , AABYE CHRISTIAN
发明人： SAHOTA JAGDEEP SINGH , AABYE CHRISTIAN
IPC分类号： G06Q20/00 , G06F20060101 , G06Q40/00 , G07F7/10
CPC分类号： G06Q20/4018 , G06Q20/10 , G06Q20/20 , G06Q20/341 , G06Q20/388 , G06Q20/401 , G06Q20/4093 , G07F7/1008
摘要： Methods and systems for dynamically generating a verification value for a transaction and for utilizing such value to verify the authenticity of the payment service (104) application. The dynamically created verification value (101 & 102) may be generated on a payment device (120, 126, 130, & 134), such as an integrated circuit credit card or smart card, embedded into the payment data, and transmitted to a point of sale terminal. Alternatively, payment data is sent by a payment device (120, 126, 130, & 134) to a point of s terminal, which generates a verification vlaue (101 & 102) and embeds it into the payment data. The embedded verification value (1 & 102) is used by a service provider to verify the authenticity of the transaction. The methods and systems may be used in contactles (wireless) environments or a non-wireless environment.
摘要翻译：用于动态地生成交易的验证值并利用这样的值来验证支付服务（104）应用的真实性的方法和系统。动态创建的验证值（101和102）可以在嵌入到支付数据中的支付设备（120,126,130和134）上生成，例如集成电路信用卡或智能卡，并被发送到点的销售终端。或者，支付数据由支付设备（120,126,130，＆134）发送到终端的点，其产生验证过程（101和102）并将其嵌入到支付数据中。服务提供商使用嵌入式验证值（1＆102）来验证交易的真实性。方法和系统可以用于接触（无线）环境或非无线环境中。

5. 发明申请

WO2009132112A3 PREPAID PORTABLE CONSUMER DEVICE INCLUDING ACCUMULATOR 审中-公开
标题翻译：包括累加器的PREPAID便携式消费设备
公开(公告)号：WO2009132112A3
公开(公告)日：2010-01-07
申请号：PCT/US2009041417
申请日：2009-04-22
申请人： VISA INT SERVICE ASS , AABYE CHRISTIAN , WILSON DAVE WILLIAM
发明人： AABYE CHRISTIAN , WILSON DAVE WILLIAM
IPC分类号： G06Q20/00
CPC分类号： G06Q20/349 , G06Q20/105 , G06Q20/20 , G06Q20/3278 , G06Q20/343 , G06Q20/352 , G06Q20/363 , G07F7/127
摘要： A portable consumer device may have money stored therein, which can be calculated using an accumulator record. The accumulator record can be incremented by the amount of any transaction using the portable consumer device. The accumulator record can retain the value of the prior transactions, upon additional funds being collected on the portable consumer device.
摘要翻译：便携式消费者装置可以存储其中的钱，其可以使用累加器记录来计算。累加器记录可以增加使用便携式消费者设备的任何交易的数量。当在便携式消费设备上收集额外的资金时，累加器记录可以保留先前交易的价值。

6. 发明申请

WO2009132108A3 PREPAID CHIP CARD EXCEPTION PROCESSING 审中-公开
标题翻译：预处理卡片除外处理
公开(公告)号：WO2009132108A3
公开(公告)日：2010-01-07
申请号：PCT/US2009041412
申请日：2009-04-22
申请人： VISA INT SERVICE ASS , AABYE CHRISTIAN , WILSON DAVE WILLIAM
发明人： AABYE CHRISTIAN , WILSON DAVE WILLIAM
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/342 , G06Q20/0655 , G06Q20/105 , G06Q20/227 , G06Q20/26 , G06Q20/348 , G06Q20/363 , G06Q20/389 , G06Q40/12 , G07F7/0866
摘要： A portable consumer device may have money stored therein, which can be calculated using an accumulator record and an exception record. The accumulator record can be incremented by the amount of any initiated transaction using the portable consumer device. The exception record can be incremented by the amount of any completed transaction using the portable consumer device. The portable consumer device may also have a limit amount, to record the amount of money added. The records allow for a later reconstruction of the device history, and can account for any errors or problems during transactions.
摘要翻译：便携式消费者设备可以存储其中的钱，其可以使用累加器记录和异常记录来计算。累加器记录可以增加使用便携式消费者设备的任何发起的事务的量。异常记录可以增加使用便携式消费者设备的任何已完成交易的数量。便携式消费者装置也可以具有限制量，以记录添加的金额。记录允许稍后重建设备历史，并且可以解决事务期间的任何错误或问题。

7. 发明申请

WO2007021658A3 METHOD AND SYSTEM FOR PERFORMING TWO FACTOR MUTUAL AUTHENTICATION 审中-公开
标题翻译：用于执行两因素相互认证的方法和系统
公开(公告)号：WO2007021658A3
公开(公告)日：2007-06-28
申请号：PCT/US2006030782
申请日：2006-08-08
申请人： VISA INT SERVICE ASS , LEE TIMOTHY , AABYE CHRISTIAN , FISHER DOUGLAS
发明人： LEE TIMOTHY , AABYE CHRISTIAN , FISHER DOUGLAS
IPC分类号： G06Q40/00
CPC分类号： H04M3/16 , G06Q20/04 , G06Q20/10 , G06Q20/12 , G06Q20/388
摘要： A method and system for performing a secure transaction are disclosed. A service provider system may receive an account identifier and a one-time passcode from a user system via a communication network. The service provider system may determine whether the one-time passcode is valid. If the one-time passcode is valid, the service provider system may transmit a personal assurance message to the user system via the communication network. If the personal assurance message is verified, the service provider may receive a password from the user system via the communication network and determine whether the password is valid. If the password is valid, the user system and the service provider system may then perform a secure transaction.
摘要翻译：公开了一种执行安全交易的方法和系统。服务提供商系统可以经由通信网络从用户系统接收帐户标识符和一次性密码。服务提供商系统可以确定一次性密码是否有效。如果一次性密码有效，则服务提供商系统可以经由通信网络向用户系统发送个人保证消息。如果个人保证消息被验证，则服务提供商可以经由通信网络从用户系统接收密码，并确定密码是否有效。如果密码有效，则用户系统和服务提供商系统然后可以执行安全交易。

8. 发明申请

WO2011019751A3 TRACK DATA MAPPING SYSTEM FOR PROCESSING OF PAYMENT TRANSACTION DATA 审中-公开
标题翻译：用于处理付款交易数据的跟踪数据映射系统
公开(公告)号：WO2011019751A3
公开(公告)日：2011-05-19
申请号：PCT/US2010045071
申请日：2010-08-10
申请人： VISA INT SERVICE ASS , RIGBY MARK , HURRY SIMON , AABYE CHRISTIAN
发明人： RIGBY MARK , HURRY SIMON , AABYE CHRISTIAN
IPC分类号： G06Q20/00
CPC分类号： G06Q20/40 , G06Q20/04 , G06Q20/20
摘要： Systems and associated apparatuses and methods for processing payment transactions. A merchant's data processing system may provide payment transaction data in a first format (e.g., Track 1 ) to a payment processing network. The payment processing network may determine the issuer to which the data will be provided as part of a process for authorizing the payment transaction. It is determined if the issuer is one that is expecting or requires that the data be provided in a second format (e.g., Track 2). If the issuer is one that is expecting or requires that the transaction data be supplied in the second format, then it is determined if the issuer is enrolled in the appropriate data mapping service. If the issuer is enrolled in the data mapping service, then the inventive system performs the data mapping processes needed to provide the data in the second format to the issuer.
摘要翻译：用于处理支付交易的系统及相关装置和方法。商家的数据处理系统可以以支付处理网络的第一格式（例如，轨道1）提供支付交易数据。支付处理网络可以确定将提供数据的发行者作为授权支付交易的过程的一部分。确定发行者是否是期望或要求以第二格式（例如，轨道2）提供数据的发行者。如果发行人是期望或要求以第二格式提供交易数据的发行人，则确定发行人是否注册在适当的数据映射服务中。如果发行者注册在数据映射服务中，则本发明的系统执行将数据以第二格式提供给发行者所需的数据映射处理。

9. 发明申请

WO2011130744A3 GENERAL PURPOSE MESSAGING 审中-公开
标题翻译：一般用途信息
公开(公告)号：WO2011130744A3
公开(公告)日：2012-02-16
申请号：PCT/US2011032908
申请日：2011-04-18
申请人： VISA INT SERVICE ASS , SLOAN DINAH , WONG ERIC , MIDDLEMAS MICHAEL , AABYE CHRISTIAN
发明人： SLOAN DINAH , WONG ERIC , MIDDLEMAS MICHAEL , AABYE CHRISTIAN
IPC分类号： H04W4/12 , G06Q50/00 , H04L29/02
CPC分类号： H04L51/26 , G06Q10/107 , G06Q30/00 , H04L51/00 , H04L67/10
摘要： Embodiments of the present invention relate to systems and methods for enabling entities, such as issuers, merchants, payment processing networks, and mobile-network operators, to send account-related messages and marketing messages to a user's mobile device in response to a message request sent from the user's mobile device. According to some embodiments, the account-related messages and the marketing messages are sent to the user's mobile device in accordance with message parameters that are defined by the user and that are embedded in the message request.
摘要翻译：本发明的实施例涉及用于允许诸如发行商，商家，支付处理网络和移动网络运营商的实体响应于消息请求向用户的移动设备发送帐户相关消息和营销消息的系统和方法从用户的移动设备发送。根据一些实施例，根据由用户定义并嵌入在消息请求中的消息参数，将帐户相关消息和营销消息发送到用户的移动设备。

10. 发明申请

WO2011123671A3 MUTUAL MOBILE AUTHENTICATION USING A KEY MANAGEMENT CENTER 审中-公开
标题翻译：使用关键管理中心的互动手机认证
公开(公告)号：WO2011123671A3
公开(公告)日：2012-01-05
申请号：PCT/US2011030766
申请日：2011-03-31
申请人： VISA INT SERVICE ASS , AABYE CHRISTIAN , KANNAPPAN SASIKUMAR
发明人： AABYE CHRISTIAN , KANNAPPAN SASIKUMAR
IPC分类号： H04L9/32 , G06Q20/00 , H04W12/04 , H04W12/06
CPC分类号： G06Q20/3227 , G06F21/445 , G06Q20/28 , G06Q20/3226 , G06Q20/3829 , H04L9/083 , H04L9/321 , H04L9/3271 , H04L63/06 , H04L63/08 , H04L2209/80
摘要： A system, method, and server computer configured to authenticate a consumer device. The consumer device is authenticated via a mobile gateway using challenge-response authentication. If the consumer device is successfully authenticated, a secure channel is established between the consumer device and a first entity. The secure channel allows for secure communication between the consumer device and the first entity.
摘要翻译：被配置为认证消费者设备的系统，方法和服务器计算机。消费者设备通过使用质询 - 响应认证的移动网关进行认证。如果消费者设备被成功认证，则在消费者设备和第一实体之间建立安全通道。安全信道允许消费者设备和第一实体之间的安全通信。

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