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1. 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。

2. 发明申请

WO2011066395A2 INTERACTION TERMINAL 审中-公开
标题翻译：交互终端
公开(公告)号：WO2011066395A2
公开(公告)日：2011-06-03
申请号：PCT/US2010/058014
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： G06Q20/00 , G06Q40/00 , G01P15/00 , 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：本发明的实施例针对用于使用具有加速度计的移动设备通过与交互终端进行接触来进行金融交易，从而生成交互数据的系统，装置和方法，所述交互数据代表移动设备与交互终端之间的物理接触。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，入口或入口处的任何其他固定（即位于固定位置）设备。具有加速度计的移动设备物理接触交互终端。交互终端弯曲，反冲或移动并生成表示移动设备与交互终端之间的物理交互的交互数据（例如，加速计，位置，时间数据等）。服务器计算机基于交互数据确定移动设备和交互终端进行了物理接触。在确定移动设备和交互终端联系之后，可以在设备之间发起通信。通信可能涉及使用支付处理网络处理支付交易。

3. 发明申请

WO2011066387A2 ACCESS TO A SECURED AREA USING A MOBILE DEVICE WITH AN ACCELEROMETER 审中-公开
标题翻译：使用具有加速度计的移动设备访问安全区域
公开(公告)号：WO2011066387A2
公开(公告)日：2011-06-03
申请号：PCT/US2010/058005
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： H04W12/08
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 gain access into a secured or restricted area. A first device and a second device interact by making physical contact with each other thereby generating interaction data that is representative of the physical interaction between the first and second device. The first and second device may be mobile phones. The second device 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 server computer determines, based on interaction data, that the first device and the second device made physical contact. After determining that the first device and the second device made contact, communications may be initiated between the devices. Communications may relate an access transaction comprising an exchange of information, such as credentials, between a prospective entrant (operating the first device) and a gatekeeper (operating the second device) to verify that the prospective entrant is permitted or is not permitted access to a particular area that is secured or restricted by the gatekeeper. Other embodiments are direct to confirmation transactions. Access transaction and confirmation transactions may be combined with a financial transaction using a payment processing network.
摘要翻译：本发明的实施例针对用于使用具有加速度计的移动设备来访问安全或受限制的区域的系统，设备和方法。第一设备和第二设备通过彼此物理接触来交互，从而生成表示第一和第二设备之间的物理交互的交互数据。第一和第二设备可以是移动电话。第二设备可以是销售点终端，接入点设备，或位于线路，门，入口或入口处的任何其他静止（即处于固定位置）设备。服务器计算机基于交互数据确定第一设备和第二设备进行了物理接触。在确定第一设备和第二设备联系之后，可以在设备之间发起通信。通信可以涉及在预期进入者（操作第一设备）和关守（操作第二设备）之间交换信息（诸如凭证）的访问交易，以验证预期参赛者被允许或不被允许访问由看门人保护或限制的特定区域。其他实施例直接涉及确认交易。访问交易和确认交易可以与使用支付处理网络的金融交易相结合。

4. 发明申请

WO2011066381A2 TRANSACTION USING A MOBILE DEVICE WITH AN ACCELEROMETER 审中-公开
标题翻译：使用具有加速度计的移动设备的交易
公开(公告)号：WO2011066381A2
公开(公告)日：2011-06-03
申请号：PCT/US2010/057997
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： G06Q20/00 , G01P15/00
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度计来测量第一装置的第一加速度数据。还可以记录由第一设备产生的其他交互数据，包括时间数据和地理位置数据。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产生的第二加速度数据进行比较。如果第一和第二加速度计数据基本上相等，则可以确定设备已经相互作用并且可以启动通信。通信发起后，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认证过程的一部分。本发明的其他实施例使用加速度计来产生运动安全数据以使金融交易更加安全。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。

5. 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。

6. 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。

7. 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。

8. 发明申请

WO2011057007A2 VERIFICATION OF PORTABLE CONSUMER DEVICES FOR 3-D SECURE SERVICES 审中-公开
标题翻译：验证三维安全服务的便利消费者设备
公开(公告)号：WO2011057007A2
公开(公告)日：2011-05-12
申请号：PCT/US2010/055500
申请日：2010-11-04
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman , FAITH, Patrick , KOGANTI, Krishna Prasad , REWIS, Ben , LOUIS, Brendan Xavier , WELLER, Kevin , DOMINGUEZ, Benedicto Hernandez
发明人： HAMMAD, Ayman , FAITH, Patrick , KOGANTI, Krishna Prasad , REWIS, Ben , LOUIS, Brendan Xavier , WELLER, Kevin , DOMINGUEZ, Benedicto Hernandez
IPC分类号： G06Q20/00 , G06F21/20
CPC分类号： G06Q20/409 , G06F21/34 , G06F2221/2107 , G06F2221/2129 , G06Q20/12 , G06Q20/352 , G06Q20/385 , G06Q20/40 , G06Q20/4014 , G06Q20/42 , G06Q20/425 , G06Q30/0613 , G06Q30/0641 , H04L9/3234 , H04L63/0853 , H04L63/126 , H04L2209/56
摘要： Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a 3-D Secure datum to the verification token. The verification token may enter the 3-D Secure datum into a hidden field of a Purchase Authentication Page appearing on the computer's display.
摘要翻译：公开了关于用于3-D安全系统的便携式消费者设备的验证的设备，方法和系统。在一个实现中，验证令牌通过USB连接耦合到计算机，以便使用计算机的网络设施。验证令牌从用户的便携式消费者设备（例如，信用卡）中读取识别信息，并使用计算机的网络设施通过通信网络将信息发送到验证条目。验证实体对从验证令牌接收到的信息应用一个或多个验证测试。如果通过了选定的测试次数，则验证实体向验证令牌发送3-D Secure数据。验证令牌可以将3-D Secure数据输入计算机显示屏上出现的购买认证页面的隐藏字段。

9. 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。

10. 发明申请

WO2008027642A2 TRANSACTION AUTHENTICATION USING NETWORK 审中-公开
标题翻译：交易认证使用网络
公开(公告)号：WO2008027642A2
公开(公告)日：2008-03-06
申请号：PCT/US2007/071480
申请日：2007-06-18
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , VISA U.S.A. INC. , HAMMAD, Ayman , FAITH, Patrick , CARLSON, Mark
发明人： HAMMAD, Ayman , FAITH, Patrick , CARLSON, Mark
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： Systems and method for improved consumer and portable consumer device authentication are disclosed. Such systems and methods may include using dynamic verification values, challenge questions, and consumer notification as ways to prevent fraudulent transactions from being conducted.
摘要翻译：公开了用于改进的消费者和便携式消费者设备认证的系统和方法。这样的系统和方法可以包括使用动态验证值，挑战问题和消费者通知作为防止欺诈交易被执行的方式。

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