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1. 发明申请

WO2011028363A3 ALIAS IDENTITY AND REPUTATION VALIDATION ENGINE 审中-公开
公开(公告)号：WO2011028363A3
公开(公告)日：2011-03-10
申请号：PCT/US2010/044692
申请日：2010-08-06
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark , STAN, Patrick , FAITH, Patrick , REWIS, Benjamin
发明人： CARLSON, Mark , STAN, Patrick , FAITH, Patrick , REWIS, Benjamin
IPC分类号： G06Q30/00 , G06Q10/00 , G06Q50/00
摘要： Methods and system for determining reputation information are provided. The method includes analyzing transactional and non-transactional information for an alias associated with an entity and determining reputation information for that alias. The reputation information is transferrable across multiple domains. A user can request the reputation information about an entity prior to doing business with that entity. The reputation information is generated for merchants as well as users. The system can generate transaction risk score for every transaction to be conducted between two or more aliases. The system includes an alias identity and reputation validation server computer that receives inputs from various external systems and generated reputation information based on the inputs. Additionally, every individual user/merchant can manage his profile within the reputation database and enter some information manually.

2. 发明申请

WO2008083078A2 CUSTOMIZED PAYMENT TRANSACTION NOTIFICATION 审中-公开
标题翻译：自订付款交易通知
公开(公告)号：WO2008083078A2
公开(公告)日：2008-07-10
申请号：PCT/US2007/088563
申请日：2007-12-21
申请人： VISA U.S.A. INC. , VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark , STAN, Patrick , FAITH, Patrick
发明人： CARLSON, Mark , STAN, Patrick , FAITH, Patrick
IPC分类号： G06K7/00 , G06Q20/00 , H04M1/00
CPC分类号： H04W4/24 , G06Q20/10 , G06Q20/3221 , G06Q30/02 , G06Q30/06 , H04M15/00 , H04M15/68 , H04M15/8033 , H04M15/83 , H04M15/835 , H04M15/84 , H04M15/85 , H04M15/851 , H04M15/854 , H04M2215/0196 , H04M2215/7435 , H04M2215/81 , H04M2215/8104 , H04M2215/8129 , H04M2215/815 , H04M2215/8166
摘要： A method for customizing alerts and notifications for portable consumer device transactions is disclosed. One embodiment of the invention is directed to a method comprising receiving information that a transaction associated with a portable consumer device is occurring, and providing an alert to a consumer associated with the portable consumer device, wherein the alert indicates that the transaction is occurring, wherein the alert is sent to the consumer according to a time or communication mode previously specified by the consumer using an interface that allows the user to specify the time and communication mode for receiving the alert.
摘要翻译：公开了一种用于定制便携式消费者设备交易的警报和通知的方法。本发明的一个实施例涉及一种方法，包括接收与便携式消费者设备相关联的交易正在发生的信息，以及向与便携式消费者设备相关联的消费者提供警报，其中所述警报指示交易正在发生，其中根据消费者使用允许用户指定用于接收警报的时间和通信模式的接口先前指定的时间或通信模式，将消息发送给消费者。

3. 发明申请

WO2010129245A3 SKU LEVEL CONTROL AND ALERTS 审中-公开
标题翻译： SKU级别控制和警报
公开(公告)号：WO2010129245A3
公开(公告)日：2010-11-11
申请号：PCT/US2010/032495
申请日：2010-04-27
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , 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
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：本发明的实施例针对用于确定涉及与支付账户的辅助用户进行的交易中的产品并传送包含产品特定信息的消息的系统和方法。可以实施系统以在支付处理期间传输产品标识符。产品特定信息可能包含在发送给帐户持有人的警报消息中。

4. 发明申请

WO2010129333A3 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方法，包括客户存在通知
公开(公告)号：WO2010129333A3
公开(公告)日：2010-11-11
申请号：PCT/US2010/032756
申请日：2010-04-28
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , 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
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：这里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。商家提醒消息可以基于顾客的特征发送，包括顾客与商家的接近度。商家可以使用警报消息向顾客提供更好的服务，或者防止顾客进行交易，这取决于商家警报消息的内容。

5. 发明申请

WO2010129246A2 MERCHANT COMPETITION ALERT 审中-公开
标题翻译：商业竞争报告
公开(公告)号：WO2010129246A2
公开(公告)日：2010-11-11
申请号：PCT/US2010/032496
申请日：2010-04-27
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , 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

WO2010053914A2 SYSTEM INCLUDING AUTOMATED TELLER MACHINE WITH DATA BEARING MEDIUM 审中-公开
标题翻译：系统包括带数据承载介质的自动柜员机
公开(公告)号：WO2010053914A2
公开(公告)日：2010-05-14
申请号：PCT/US2009/063113
申请日：2009-11-03
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark , FAITH, Patrick
发明人： CARLSON, Mark , FAITH, Patrick
IPC分类号： G07F19/00
CPC分类号： G06Q40/02 , G06Q30/02 , G06Q30/0205 , G06Q30/0207
摘要： Embodiments of the present invention relate to systems and methods of providing customized offers to a consumer at an automated teller machine. The automated teller machine comprises a processor, a computer readable medium coupled to the processor, an output device coupled to the processor, and a reader coupled to the processor. The computer readable medium comprises code for receiving data from a portable ATM device and code for receiving a customized offer after receiving data from the portable ATM device.
摘要翻译：本发明的实施例涉及在自动柜员机处向消费者提供定制报价的系统和方法。该自动柜员机包括处理器，耦合到处理器的计算机可读介质，耦合到处理器的输出装置和耦合到处理器的读取器。计算机可读介质包括用于从便携式ATM装置接收数据的代码和用于在从便携式ATM装置接收数据之后接收定制报价的代码。

7. 发明申请

WO2009158570A2 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：WO2009158570A2
公开(公告)日：2009-12-30
申请号：PCT/US2009/048780
申请日：2009-06-26
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , 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。在确定需要通知消息时，通知消息被发送到由消费者操作的通知设备，并且通知设备基本上同时与商家的授权响应消息的接收同时接收通知消息。在通知装置的地图上显示通知消息的图形描述。

8. 发明申请

WO2011066397A2 INFORMATION ACCESS DEVICE AND DATA TRANSFER 审中-公开
标题翻译：信息访问设备和数据传输
公开(公告)号：WO2011066397A2
公开(公告)日：2011-06-03
申请号：PCT/US2010/058016
申请日：2010-11-24
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , 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： G06Q30/00 , H04W88/02
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 first device with an accelerometer to transfer data by making contact with a second device with an accelerometer, thereby generating interaction data that is representative of the physical contact between the mobile device and the second device. The first device may be a mobile phone. The second device may be a mobile phone or a stationary kiosk or terminal. A first device with an accelerometer physically contacts the second device. Each of the first and second devices generate interaction data (e.g., accelerometer, location, time data, etc.) representative of the physical interaction between the first and second device. A server computer determines, based on interaction data, that the first device and the second device physically contact each other. After determining that the mobile device and the second device made contact, communications may be initiated between the devices. Communications may include customer-provided information (e.g., shopping lists) and merchant-provided information (e.g., items in stock or on sale from the consumer's shopping list). In some embodiments, at least two independent interactions between three devices transfer data from a first computing device to a second computing device, after each of the first and second computing devices independently interacts with a mobile device.
摘要翻译：本发明的实施例涉及用于使用具有加速度计的第一设备通过与加速度计接触第二设备来传送数据的系统，设备和方法，从而生成表示移动设备之间的物理接触的交互数据和第二设备。第一设备可以是移动电话。第二设备可以是移动电话或固定式售货亭或终端。具有加速度计的第一设备物理地接触第二设备。第一和第二设备中的每一个产生表示第一和第二设备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确定第一设备和第二设备物理上彼此接触。在确定移动设备和第二设备联系之后，可以在设备之间发起通信。通信可以包括客户提供的信息（例如，购物清单）和商家提供的信息（例如，来自消费者购物清单的库存或销售的商品）。在一些实施例中，在第一和第二计算设备中的每一个独立地与移动设备交互之后，三个设备之间的至少两个独立交互将数据从第一计算设备传送到第二计算设备。

9. 发明申请

WO2011047331A2 ANTI-PHISHING SYSTEM AND METHOD INCLUDING LIST WITH USER DATA 审中-公开
标题翻译：反钓鱼系统和方法，包括用户数据清单
公开(公告)号：WO2011047331A2
公开(公告)日：2011-04-21
申请号：PCT/US2010/052938
申请日：2010-10-15
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , 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：
披露了一台服务器计算机。它包括处理器和耦合到处理器的计算机可读介质。该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，该方法包括：（i）接收执行交易的请求，（ii）响应于该请求向用户提供用户界面，其中该用户界面包括列表候选标识令牌的列表，其中候选标识令牌的列表包括可信的标识令牌和一个或多个不可信的标识令牌，其中可靠的标识令牌与用户账户相关联。

10. 发明申请

WO2008083119A1 REAL-TIME BALANCE UPDATES 审中-公开
标题翻译：实时平衡更新
公开(公告)号：WO2008083119A1
公开(公告)日：2008-07-10
申请号：PCT/US2007/088704
申请日：2007-12-21
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , VISA U.S.A. INC. , CARLSON, Mark , HAMMAD, Ayman , FAITH, Patrick
发明人： CARLSON, Mark , HAMMAD, Ayman , FAITH, Patrick
IPC分类号： G06Q40/00
CPC分类号： H04W4/24 , G06Q20/10 , G06Q20/3221 , G06Q30/02 , G06Q30/06 , H04M15/00 , H04M15/68 , H04M15/8033 , H04M15/83 , H04M15/835 , H04M15/84 , H04M15/85 , H04M15/851 , H04M15/854 , H04M2215/0196 , H04M2215/7435 , H04M2215/81 , H04M2215/8104 , H04M2215/8129 , H04M2215/815 , H04M2215/8166
摘要： A method and a system that receive retrieve dynamic data when a notification with dynamic data is triggered. The dynamic data is associated with an account that is associated with a portable consumer device associated with a consumer. The method and system automatically send the notification with the dynamic data to a notification device, wherein the notification with the dynamic data is provided to the consumer.
摘要翻译：触发具有动态数据的通知时，接收检索动态数据的方法和系统。动态数据与与与消费者相关联的便携式消费者设备相关联的帐户相关联。所述方法和系统自动地将具有动态数据的通知发送到通知装置，其中将具有动态数据的通知提供给消费者。

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