专利快速检索-快速检索全球专利，免费商用专利数据库-IPRDB

1. 发明申请

WO2010129317A3 SYSTEM AND METHOD FOR PROVIDING ADVICE TO CONSUMER REGARDING A PAYMENT TRANSACTION 审中-公开
标题翻译：用于向消费者提供关于付款交易的建议的系统和方法
公开(公告)号：WO2010129317A3
公开(公告)日：2010-11-11
申请号：PCT/US2010/032684
申请日：2010-04-28
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark , MAYOR, Shalini
发明人： CARLSON, Mark , MAYOR, Shalini
IPC分类号： G06Q20/00 , G06Q50/00
摘要： Systems, apparatuses, and methods for providing a consumer with an alert or other information regarding a payment transaction. When a consumer conducts a payment transaction, an alert may be sent to a device. The contents of the alert, the triggers for sending the alert, or the delivery channel for the alert may be determined by a set of preferences that the consumer set. In response to the alert, the consumer may send an SMS or other message that requests "help", "advice", "need information", etc. The consumer may select or activate a user interface element to obtain advice or information regarding the transaction. A consumer request for help, advice, or more information may be generated by the consumer during or after a payment transaction. In response to the request for help, advice, or information, the invention may provide the consumer with a menu or list of topics of information that is available regarding the transaction.
摘要翻译：用于向消费者提供关于支付交易的提醒或其他信息的系统，设备和方法。当消费者进行支付交易时，可以将警报发送到设备。警报的内容，发送警报的触发器或警报的传送通道可以由消费者设定的一组偏好确定。响应于该警报，消费者可以发送请求“帮助”，“建议”，“需要信息”等的SMS或其他消息。消费者可以选择或激活用户界面元素以获得建议或信息关于交易。消费者在支付交易期间或之后可能会产生消费者的帮助，建议或更多信息请求。为了响应帮助，建议或信息的请求，本发明可以向消费者提供关于交易的可用信息的菜单或列表。

2. 发明申请

WO2013096601A1 FAMILIAR DYNAMIC HUMAN CHALLENGE RESPONSE TEST CONTENT 审中-公开
标题翻译：家庭动态人类挑战反应测试内容
公开(公告)号：WO2013096601A1
公开(公告)日：2013-06-27
申请号：PCT/US2012/070900
申请日：2012-12-20
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： CARLSON, Mark , MAYOR, Shalini
IPC分类号： G06F21/30 , G06F11/30 , G06F3/048
CPC分类号： H04L63/0876 , G06F21/31 , G06F21/45 , G06F2221/2133 , H04L63/20
摘要： Embodiments of the invention are directed to human challenge response test delivery systems and methods. Specifically, embodiments of the present invention are directed to secure human challenge response test delivery services of configurable difficulty for user devices. One embodiment of the present invention is directed to methods and systems for implementing a familiar and dynamic human challenge response test challenge repository created from transaction data. The dynamic human challenge response test challenge repository may be created by a server computer receiving a plurality of transaction data. Challenge items may be extracted from the transaction data using an extraction algorithm. Furthermore, in some embodiments a challenge message may be sent to a requestor, a verification request may be received, and the verification request may be compared to the challenge message. Another embodiment may be directed at using user information in a human challenge response test to mutually authenticate a user and a service provider.
摘要翻译：本发明的实施例涉及人类挑战响应测试传递系统和方法。具体地说，本发明的实施例涉及用户设备的可配置难度的安全的人类挑战响应测试传递服务。本发明的一个实施例涉及用于实现从交易数据库创建的熟悉和动态的人类挑战响应测试挑战存储库的方法和系统。可以由接收多个交易数据的服务器计算机创建动态人类挑战响应测试挑战存储库。可以使用提取算法从交易数据中提取挑战项目。此外，在一些实施例中，挑战消息可以被发送到请求者，可以接收验证请求，并且可以将该验证请求与挑战消息进行比较。另一个实施例可以针对在人类挑战响应测试中使用用户信息来相互认证用户和服务提供商。

3. 发明申请

WO2011017196A2 SEEDLESS ANTI PHISHING AUTHENTICATION USING TRANSACTION HISTORY 审中-公开
标题翻译：利用交易历史进行无种类的反钓鱼认证
公开(公告)号：WO2011017196A2
公开(公告)日：2011-02-10
申请号：PCT/US2010/043750
申请日：2010-07-29
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark , FAITH, Patrick L. , HAMMAD, Ayman , MAYOR, Shalini
发明人： CARLSON, Mark , FAITH, Patrick L. , HAMMAD, Ayman , MAYOR, Shalini
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/102 , G06Q20/40
摘要： Systems and methods for providing authentication verification for a correspondence and other messages are disclosed. A link, such as a uniform resource locator (URL) link, is placed in a correspondence and sent to a user. When the user follows the link, a list of personal transaction data from the user's credit card or other financial account is presented. Because the personal transaction data is substantially private to user and his or her financial institution and card servicing company and not known to the public, the recipient can be assured that the message truly came from the financial institution or the card servicing company and not from a phisher.
摘要翻译：公开了用于为通信和其他消息提供认证验证的系统和方法。诸如统一资源定位符（URL）链接之类的链接置于对应关系中并发送给用户。当用户关注链接时，会显示来自用户信用卡或其他金融账户的个人交易数据列表。因为个人交易数据对于用户和他或她的金融机构和卡服务公司来说基本上是私人的并且不为公众所知，所以接收者可以确信该消息确实来自金融机构或卡服务公司而不是来自钓鱼者。

4. 发明申请

WO2010129315A3 SYSTEM AND METHOD FOR PROVIDING CONSUMER TIP ASSISTANCE AS PART OF PAYMENT TRANSACTION 审中-公开
标题翻译：提供消费者小费援助作为付款交易的一部分的系统和方法
公开(公告)号：WO2010129315A3
公开(公告)日：2010-11-11
申请号：PCT/US2010/032679
申请日：2010-04-28
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark , MAYOR, Shalini
发明人： CARLSON, Mark , MAYOR, Shalini
IPC分类号： G06Q20/00
摘要： Systems, apparatuses, and methods for conducting payment transactions are disclosed. In exemplary embodiments, a consumer may wish to add a tip or gratuity when paying for a good or service, such as a meal at a restaurant. Exemplary systems may generate an alert or other form of message based on the transaction, where the alert or message may include a suggested amount for a tip and/or provide the consumer with information that may be used to determine an amount for the tip. In some embodiments, the systems, apparatuses, and methods may automatically generate an estimated amount for the tip based on previously established user preferences, with the estimated amount being added to the underlying cost of the good or service when authorization is sought for the transaction.
摘要翻译：公开了用于进行支付交易的系统，设备和方法。在示例性实施例中，消费者可能希望在支付商品或服务时添加小费或小费，例如在餐馆用餐。示例性系统可基于交易生成警报或其他形式的消息，其中警报或消息可包括针对提示的建议量和/或向消费者提供可用于确定提示的量的信息。在一些实施例中，系统，装置和方法可以基于先前建立的用户偏好自动地生成用于提示的估计量，其中当为交易寻求授权时，将估计量添加到商品或服务的基础成本。

5. 发明申请

WO2019164935A1 AUTOMATED ACCOUNT RECOVERY USING TRUSTED DEVICES 审中-公开
公开(公告)号：WO2019164935A1
公开(公告)日：2019-08-29
申请号：PCT/US2019/018756
申请日：2019-02-20
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： NAGARAJA, Vinjith , VIG, Dhruv , BRAMMER, Raymond , RAMARAPU, Vamshi , MYERS, James , CAPEZZA, David , TAVVALA, Nagaveera Venkata Su , MAHAJAN, Swapneel , MAYOR, Shalini
IPC分类号： H04L29/06 , G06F21/57 , G06F21/56
摘要： Embodiments of the invention are directed to an automated account restoration system. In some embodiments, the system determines a state of an account based on a likelihood that the account has been compromised. If the account is determined to be in a low-risk state, then upon an successful login to that account, a verification cookie may be generated which is unique to a user device used to access the account. If the account is determined to be in a high-risk state, then system may prevent access to the account except by user devices that include a valid verification cookie.

6. 发明申请

WO2010144661A2 SERVICE ACTIVATION USING ALGORITHMICALLY DEFINED KEY 审中-公开
标题翻译：使用算术关键词进行服务激活
公开(公告)号：WO2010144661A2
公开(公告)日：2010-12-16
申请号：PCT/US2010/038109
申请日：2010-06-10
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , RAJ, Ashwin , TULLIS, John , CARLSON, Mark , FAITH, Patrick , MAYOR, Shalini , MIRIZZI, Joseph , WHITE, Lauren , BRAND, Olivier , LINDELSEE, Mike
发明人： RAJ, Ashwin , TULLIS, John , CARLSON, Mark , FAITH, Patrick , MAYOR, Shalini , MIRIZZI, Joseph , WHITE, Lauren , BRAND, Olivier , LINDELSEE, Mike
IPC分类号： H04L9/14 , H04L9/32
CPC分类号： H04W12/06 , G06F21/31 , G06F2221/2117 , G06Q20/02 , G06Q20/10 , G06Q20/3829 , G06Q20/40 , G06Q20/4037 , G06Q40/02 , H04L9/0643 , H04L9/0861 , H04L9/321 , H04L9/3226 , H04L9/3236 , H04L63/0428 , H04L63/08 , H04L63/0884 , H04W12/04 , H04W12/08
摘要： Systems and methods for service activation using algorithmically defined keys are disclosed. A consumer who has a relationship with a first party may wish to enroll in a service provided by a third party. The first party can maintain control of such enrollments through the use of algorithmically defined keys. The algorithmically defined keys also allow the third party service provider to verify data provided by the consumer as matching data stored by the first party. The verification provides for data synchronization without requiring the third party to have access to the first parties data systems.
摘要翻译：公开了使用算法定义的键进行服务激活的系统和方法。与第一方有关系的消费者可能希望注册第三方提供的服务。第一方可以通过使用算法定义的键来保持对这种注册的控制。算法定义的密钥还允许第三方服务提供商将由消费者提供的数据验证为由第一方存储的匹配数据。验证提供数据同步，而不需要第三方访问第一方数据系统。

7. 发明公开

EP3627796A1 DYNAMIC AND PRIVATE SECURITY FINGERPRINTING 有权
公开(公告)号：EP3627796A1
公开(公告)日：2020-03-25
申请号：EP19198732.0
申请日：2019-09-20
申请人： Visa International Service Association
发明人： NAGARAJA, Vinjith , TAVVALA, Nagaveera Venkata Su , RIOS TREVINO, Jose , RAMARAPU, Vamshi , MAHAJAN, Swapneel , TRUNICK, Joel , MAYOR, Shalini , MYERS, James , BRAMMER, Raymond Scott , PAZDZIERNIAK, Ireneusz , VELUR, Shashi , WANG, Feng Chi , HESENER, Vincent
IPC分类号： H04L29/06 , H04L9/32 , G06F21/31
摘要： Techniques for securely generating and using a "fingerprint" for authentication. A server computer receives a first data set from a user device (including a first fuzzy hash of first user data on the user device). The server computer generates a first fingerprint value based on the first data set. The server computer detects an event corresponding to a user in association with the user device. The server computer identifies a baseline fingerprint value (generated based on a baseline fuzzy hash of user data on the user device). The server computer compares the first fingerprint value to the baseline fingerprint value to generate a similarity score. The server computer may determine that the similarity score exceeds a threshold value but does not represent an exact match, and, based on the similarity score, authenticate the user and update the baseline fingerprint value based on the first fingerprint value.

你已经成功收藏专利！

检索式保存成功!

IPRDB

热门服务

关于我们

友情链接

联系方式