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31. 发明申请

WO2011028923A2 SYSTEM AND METHOD FOR PROVIDING ALTERNATE FUNDING SOURCE FOR PORTABLE CONSUMER DEVICE 审中-公开
标题翻译：为便携式消费者设备提供替代资金来源的系统和方法
公开(公告)号：WO2011028923A2
公开(公告)日：2011-03-10
申请号：PCT/US2010/047709
申请日：2010-09-02
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , VASTEN, Brett
发明人： VASTEN, Brett
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/28 , G06Q20/105 , G06Q20/4016 , G06Q30/0185 , G06Q40/02
摘要： A system, apparatus, and method for providing a mechanism for loading a prepaid card, such as a payroll card, with funds from a source other than the employer of the cardholder. The invention permits a cardholder to request that their employer provided payroll card (or other form of prepaid card) be charged or loaded with funds from an alternate source of funding. In response to the request, one or more background, credit, or other forms of security checks or investigations may be performed to ensure that accurate data regarding the cardholder is available and that there are no indications that the request might be an attempt to commit a fraudulent act.
摘要翻译：一种系统，装置和方法，用于提供用于从除持卡人的雇主以外的来源提供资金来装载诸如工资卡的预付卡的机构。本发明允许持卡人要求雇主提供工资卡（或其他形式的预付卡）从备用资金来源收取或加载资金。响应于该请求，可以执行一个或多个背景，信用或其他形式的安全检查或调查，以确保有关持卡人的准确数据可用，并且没有迹象表明请求可能是尝试提交欺诈行为。

32. 发明申请

WO2011019751A2 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：WO2011019751A2
公开(公告)日：2011-02-17
申请号：PCT/US2010/045071
申请日：2010-08-10
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , 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和相关设备以及方法。商家的数据处理系统可以以第一格式（例如，轨道1）向支付处理网络提供支付交易数据。支付处理网络可以确定将数据提供给的发行者作为用于授权支付交易的过程的一部分。确定发行方是否期望或要求以第二种格式提供数据（例如，轨道2）。如果发行者是期望或要求以第二格式提供交易数据的发行者，则确定发行者是否注册到适当的数据映射服务中。如果发行者登记在数据映射服务中，那么本发明的系统执行将第二格式的数据提供给发行者所需的数据映射过程。

33. 发明申请

WO2011011403A3 AN APPARATUS INCLUDING DATA BEARING MEDIUM FOR REDUCING FRAUD IN PAYMENT TRANSACTIONS USING A BLACKLIST 审中-公开
公开(公告)号：WO2011011403A3
公开(公告)日：2011-01-27
申请号：PCT/US2010/042588
申请日：2010-07-20
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman
发明人： HAMMAD, Ayman
IPC分类号： G06Q20/00 , G06Q40/00
摘要： A system, apparatus, and method for reducing fraud in electronic payment transactions. The apparatus includes a processor that executes instructions to implement a process to identify consumer or merchant devices that have been used in fraudulent transactions and prevent the authorization of future transactions that are initiated using those devices. By collecting device data as part of authorization messages and processing that data, devices that are used in fraudulent transactions with different merchants or involving different accounts may be identified and prevented from being the source of future transactions. This prevents future losses and reinforces the integrity of the transaction system.

34. 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。

35. 发明申请

WO2010056951A2 SYSTEM AND METHOD FOR UNIQUELY IDENTIFYING POINT OF SALE DEVICES IN AN OPEN PAYMENT NETWORK 审中-公开
标题翻译：系统和方法，用于在开放付款网络中单独识别销售设备的点
公开(公告)号：WO2010056951A2
公开(公告)日：2010-05-20
申请号：PCT/US2009/064329
申请日：2009-11-13
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , NGUYEN, Loc, Duc , NELSON, Chris , QUACH, Charles
发明人： NGUYEN, Loc, Duc , NELSON, Chris , QUACH, Charles
IPC分类号： G06Q20/00 , G06Q30/00
CPC分类号： G06Q20/4014 , G06Q20/20 , G06Q20/204 , G06Q30/0238
摘要： A system, apparatus, and method for using a point of sale (POS) terminal as part of an electronic payment transaction. A unique number, code, alphanumeric character string, or other form of identification is assigned to each terminal manufacturer. Each terminal manufacturer then assigns a unique global identifier to each terminal they manufacture. The identifier assigned by the manufacturer may incorporate or be derived from the unique identifier assigned to each manufacturer. In the course of an electronic payment, other form of transaction, or other function or operation of the terminal, the POS terminal's unique global identifier is provided to a payment processor or other electronic payment network entity. This information, alone or in combination with portable consumer device data and transaction data, may be used to provide new services, content, and products to consumers or merchants.
摘要翻译：一种使用销售点（POS）终端作为电子支付交易的一部分的系统，装置和方法。为每个终端制造商分配唯一的号码，代码，字母数字字符串或其他形式的标识。每个终端制造商然后为其制造的每个终端分配唯一的全局标识符。制造商分配的标识符可以包含或者从分配给每个制造商的唯一标识符导出。在电子支付，其他形式的交易或终端的其他功能或操作的过程中，将POS终端的唯一全局标识符提供给支付处理器或其他电子支付网络实体。该信息单独地或与便携式消费者设备数据和交易数据组合可用于向消费者或商家提供新的服务，内容和产品。

36. 发明申请

WO2010033968A1 OVER THE AIR UPDATE OF PAYMENT TRANSACTION DATA STORED IN SECURE MEMORY 审中-公开
标题翻译：在安全存储器中存储的付款交易数据的空气更新
公开(公告)号：WO2010033968A1
公开(公告)日：2010-03-25
申请号：PCT/US2009/057794
申请日：2009-09-22
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , AABYE, Christian , NGO, Hao , WILSON, David , ZEIDEN, Gustavo , PITCHFORD, Chris , PIRZADEH, Kiushan
发明人： AABYE, Christian , NGO, Hao , WILSON, David , ZEIDEN, Gustavo , PITCHFORD, Chris , PIRZADEH, Kiushan
IPC分类号： G06Q20/00
CPC分类号： G06Q20/32 , G06Q20/10 , G06Q20/20 , G06Q20/204 , G06Q20/322 , G06Q20/382 , G06Q20/3829 , G06Q20/40
摘要： A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. The invention enables the updating, correction or synchronization of transaction data maintained by an Issuer with that stored on the device. This is accomplished by using a wireless (cellular) network as a data communication channel for data provided by an Issuer to the mobile device, and is particularly advantageous in circumstances in which the contactless element is not presently capable of communication with a device reader or point of sale terminal that uses a near field communications mechanism. Data transferred between the mobile device and Issuer may be encrypted and decrypted to provide additional security and protect the data from being accessed by other users or applications.
摘要翻译：一种用于处理使用包括诸如集成电路芯片的非接触元件的移动设备进行的支付交易的系统，装置和方法。本发明能够通过存储在设备上的发行者来维护交易数据的更新，校正或同步。这通过使用无线（蜂窝）网络作为由发行者向移动设备提供的数据的数据通信信道来实现，并且在非接触元件当前不能与设备读取器或点通信的情况下是特别有利的的使用近场通信机制的销售终端。在移动设备和发卡行之间传送的数据可以被加密和解密，以提供额外的安全性并保护数据不被其他用户或应用程序访问。

37. 发明申请

WO2009137670A1 DATACASTING SYSTEM WITH AUTOMATIC DELIVERY OF SERVICE MANAGEMENT CAPABILITY 审中-公开
标题翻译：自动交付服务管理能力的计量系统
公开(公告)号：WO2009137670A1
公开(公告)日：2009-11-12
申请号：PCT/US2009/043135
申请日：2009-05-07
申请人： ROUNDBOX, INC. , LEUNG, Yiu, Man , LIU, Xiaofeng , MATAGA, Peter, Andrew , SLEPCHIN, Igor
发明人： LEUNG, Yiu, Man , LIU, Xiaofeng , MATAGA, Peter, Andrew , SLEPCHIN, Igor
IPC分类号： G06F15/173
CPC分类号： H04L12/1859 , H04L41/0896 , H04L41/5025 , H04L43/0882 , H04L67/06
摘要： A datacast system, and associated apparatus and method for automatically managing a data object or objects within a hierarchical carousel structure by enabling, among other functions, the dynamic allocation of bandwidth to each carousel within the structure. The dynamic bandwidth allocation enables a server platform to redistribute the bandwidth allocated to a carousel or set of data objects to adjust to desired changes in object transmission policies or priorities of a datacast application.
摘要翻译：一种数据广播系统以及用于通过启用对结构内的每个转盘的带宽的动态分配，来自动管理分级轮播结构内的数据对象或相关对象的相关联的装置和方法。动态带宽分配使得服务器平台能够重新分配分配给轮播或数据对象的带宽，以适应数据中心应用的对象传输策略或优先级的所需变化。

38. 发明申请

WO2008039796A2 MOBILE TRANSIT FARE PAYMENT 审中-公开
标题翻译：手机支付
公开(公告)号：WO2008039796A2
公开(公告)日：2008-04-03
申请号：PCT/US2007/079453
申请日：2007-09-25
申请人： VISA U.S.A. INC. , VISA INTERNATIONAL SERVICE CORPORATION , HAMMAD, Ayman , DIXON, Phil
发明人： HAMMAD, Ayman , DIXON, Phil
IPC分类号： G06K19/06
CPC分类号： G06Q20/32 , G06Q20/045 , G06Q20/322 , G06Q20/327 , G06Q20/3278 , G07B15/00 , G07B15/02 , G07F17/0014
摘要： A system, apparatus, and method for facilitating the payment and collection of transit system fares using a mobile device. The inventive system utilizes a contactless element embedded within a mobile wireless device, such as a mobile phone, PDA, or the like. The smart element is integrated with the circuitry of the mobile device to permit the data to be accessed and manipulated (e.g., read, written, erased) using the wireless communications network as the data transport channel. The data required to enable a user to access a transit system and for the system to conduct fare calculations may be provided to the memory in the contactless element using the wireless network. Such data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use).
摘要翻译：一种用于使用移动设备便利支付和收集过境系统票价的系统，装置和方法。本发明的系统利用嵌入在诸如移动电话，PDA等的移动无线设备内的非接触元件。智能元件与移动设备的电路集成，以允许使用无线通信网络作为数据传输信道来访问和操纵（例如，读取，写入，擦除）数据。可以使用无线网络将使用户访问交通系统和系统进行票价计算所需的数据提供给非接触元件中的存储器。这样的数据可以包括访问控制数据（密钥，密码，识别数据）或票价计算所需的数据（费率，系统使用的历史数据）。

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