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1. 发明申请

WO2008083105A2 MOBILE COUPON METHOD AND PORTABLE CONSUMER DEVICE FOR UTILIZING SAME 审中-公开
标题翻译：移动优惠券方法和使用该方法的便携式消费设备
公开(公告)号：WO2008083105A2
公开(公告)日：2008-07-10
申请号：PCT/US2007/088659
申请日：2007-12-21
申请人： VISA U.S.A. INC. , VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark , CIUREA, Peter
发明人： CARLSON, Mark , CIUREA, Peter
IPC分类号： G06Q30/00 , G01S5/00
CPC分类号： G06Q20/387 , G06Q30/02 , G06Q30/0225 , G06Q30/0239
摘要： Embodiments of the present invention relate to systems and methods involving mobile coupons. In one embodiment, an indication of a prior purchase transaction over a payment processing network, serves as a trigger to generate and disseminate a mobile coupon for a subsequent transaction. By generating and promulgating the coupon within a limited time of the first transaction, the recipient is disposed to be receptive based upon his or her current shopping status and also possibly geographic location. According to another embodiment, information from a mobile coupon may be presented from the consumer to a merchant in a contactless manner, utilizing an antenna of a portable device operated by a consumer. Coupon information may be communicated to the merchant with the payment information, or prior to or subsequent to transmission of the payment information to the merchant.
摘要翻译：本发明的实施例涉及涉及移动优惠券的系统和方法。在一个实施例中，通过支付处理网络的先前购买交易的指示充当用于生成和传播用于后续交易的移动优惠券的触发。通过在第一次交易的有限时间内生成和发布优惠券，基于他或她的当前购物状态以及可能的地理位置，接收者被设置为可接受的。根据另一个实施例，利用由消费者操作的便携式设备的天线，来自移动优惠券的信息可以以非接触方式从消费者呈现给商家。优惠券信息可以用支付信息传送给商家，或者在支付信息传送给商家之前或之后传送给商家。

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

WO2008083022A1 MOBILE PAYMENT SYSTEM AND METHOD USING ALIAS 审中-公开
标题翻译：移动支付系统和使用ALIAS的方法
公开(公告)号：WO2008083022A1
公开(公告)日：2008-07-10
申请号：PCT/US2007/088289
申请日：2007-12-20
申请人： VISA U.S.A. INC. , VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark
发明人： CARLSON, Mark
IPC分类号： G06Q40/00
CPC分类号： G06Q20/385 , G06Q20/04 , G06Q20/32 , G06Q20/3223 , G06Q20/3226 , G06Q20/3255 , G06Q20/40 , G06Q20/4012 , G06Q40/00 , G06Q40/02
摘要： Methods and systems are disclosed for allowing financial transactions to be conducted using mobile phones. A payer initiates a transaction by sending a payment request message from a mobile phone which specifies the payee and amount to be paid. Payees are identified by unique aliases, which are maintained in a database. Methods for assembling the enrollment and alias database are included.
摘要翻译：公开了允许使用移动电话进行金融交易的方法和系统。付款人通过从指定收款人和要支付的金额的手机发送支付请求消息来发起交易。收款人由唯一的别名标识，这些别名保存在数据库中。包括注册和别名数据库的组装方法。

4. 发明申请

WO2007149988A3 DISTRIBUTION OF HEALTH INFORMATION FOR PROVIDING HEALTH RELATED SERVICES 审中-公开
公开(公告)号：WO2007149988A3
公开(公告)日：2007-12-27
申请号：PCT/US2007/071797
申请日：2007-06-21
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , VISA U.S.A. INC. , CARLSON, Mark , KATZIN, Edward
发明人： CARLSON, Mark , KATZIN, Edward
IPC分类号： G06F19/00
摘要： A method for storage and access to patient information over a payment processing network is disclosed. One embodiment of the invention includes collecting medical information from various medical institutions via a payment processing network, storing the collected medical information at a central location, and providing, upon request, specific medical information to a requester from the stored collected medical information.

5. 发明申请

WO2007002932A2 ADAPTIVE GATEWAY FOR SWITCHING TRANSACTIONS AND DATA ON UNRELIABLE NETWORKS USING CONTEXT-BASED RULES 审中-公开
标题翻译：自适应网关使用基于上下文的规则切换交易和数据在不可靠的网络上
公开(公告)号：WO2007002932A2
公开(公告)日：2007-01-04
申请号：PCT/US2006/025887
申请日：2006-06-29
申请人： VISA U.S.A. INC. , VISA INTERNATIONAL SERVICE ASSOCIATION , SINGH, Thakur , GARRISON, Sara, K. , CARLSON, Mark , MANANSALA, Rosauro, E. , SINGH, Kamlakar
发明人： SINGH, Thakur , GARRISON, Sara, K. , CARLSON, Mark , MANANSALA, Rosauro, E. , SINGH, Kamlakar
IPC分类号： G06F15/16
CPC分类号： H04L63/0263 , H04L63/20 , H04L67/28 , H04L67/2823 , H04L67/327
摘要： Application level switching of transactions at a gateway is provided. The gateway is configured to switch the transaction based on the application level content, a current state of a transport environment, and/or dynamic rules for switching transactions. For example, several possible service providers can be selected for the type of transaction, and the gateway can monitor not only the round-trip time through the network(s) to different possible service providers, but also the time required to complete the transaction at the application level and return a response. The application is chosen on the sending side of the network, and application level formatting is done on the sending side as well. The gateway uses modular code and data, and separate instances of processing code to allow dynamic updating. Rules for application service selection can be selectively uploaded to the gateway from a client. The rules for different available application services can be distributed across different gateways.
摘要翻译：提供了网关交易的应用级别切换。网关被配置为基于应用级内容，传输环境的当前状态和/或用于切换事务的动态规则来切换事务。例如，可以为交易类型选择几个可能的服务提供商，并且网关不仅可以监视通过网络到不同的可能的服务提供商的往返时间，还可以监视在不同的可能服务提供商处完成交易所需的时间应用程序级别并返回响应。应用程序在网络的发送端选择，应用层级格式也在发送端进行。网关使用模块化代码和数据，以及处理代码的单独实例以允许动态更新。用于应用服务选择的规则可以从客户端选择性地上传到网关。不同可用应用服务的规则可以分布在不同的网关之间。

6. 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。

7. 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。

8. 发明申请

WO2012030836A2 PROTECTING EXPRESS ENROLLMENT USING A CHALLENGE 审中-公开
标题翻译：使用挑战来保护明示
公开(公告)号：WO2012030836A2
公开(公告)日：2012-03-08
申请号：PCT/US2011/049756
申请日：2011-08-30
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark
发明人： CARLSON, Mark
IPC分类号： G06Q20/00
CPC分类号： G06Q20/10
摘要： Embodiments of the invention relate to security features to prevent one from trying to enter multiple different payment card number combinations into a payment request form for an online transaction in an effort to probe for the accurate payment information.
摘要翻译：本发明的实施例涉及安全特征，以防止人们尝试将多个不同的支付卡号码组合输入到用于在线交易的支付请求表单中，以努力探测准确的支付信息。

9. 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。

10. 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。

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