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31. 发明申请

WO2012092293A2 MIXED MODE TRANSACTION PROTOCOL 审中-公开
标题翻译：混合模式交易协议
公开(公告)号：WO2012092293A2
公开(公告)日：2012-07-05
申请号：PCT/US2011/067421
申请日：2011-12-27
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman , FAITH, Patrick
发明人： HAMMAD, Ayman , FAITH, Patrick
IPC分类号： H04W92/18 , G06Q20/10 , H04W88/02
CPC分类号： G06Q20/32 , G06Q20/20 , G06Q20/382 , G06Q20/425
摘要： As opposed to using one type of technology from the beginning of a transaction to the end of a transaction at the point of sale, embodiments of the present invention are related to useful techniques for conducting mixed mode transactions. A mixed mode transaction combines at least two modes of communication used in transaction processing. A transaction may start by initiating the transaction using a first communication mode between a first device and a second device. The first device may be a consumers mobile device, and the device may be a merchant access device or point of sale terminal. To continue the transaction, a second mode of communication may be initiated. The second mode of communication may be dependent on the first mode or independent. The first and second modes of communication may operated simultaneously. The first and second communications modes may be a physical interaction-based mode, a contact or contactless chip mode, a Bluetooth mode, a WiFi mode, an infrared (IR) mode, or any other suitable communication mode.
摘要翻译：与在销售点从交易开始到交易结束使用一种类型的技术相反，本发明的实施例涉及用于进行混合模式交易的有用技术。混合模式事务将事务处理中使用的至少两种通信模式相结合。事务可以通过在第一设备和第二设备之间使用第一通信模式启动事务来开始。第一设备可以是消费者移动设备，并且设备可以是商家接入设备或销售点终端。为了继续交易，可以启动第二种通信模式。第二种通信模式可能取决于第一种模式或独立的。第一和第二种通信模式可以同时运行。第一和第二通信模式可以是基于物理交互的模式，联系人或非接触芯片模式，蓝牙模式，WiFi模式，红外（IR）模式或任何其他合适的通信模式。

32. 发明申请

WO2011123553A2 CRACK EMBOSSING USING DIAMOND TECHNOLOGY 审中-公开
标题翻译：使用金刚石技术的破裂
公开(公告)号：WO2011123553A2
公开(公告)日：2011-10-06
申请号：PCT/US2011/030562
申请日：2011-03-30
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , FAITH, Patrick
发明人： FAITH, Patrick
IPC分类号： B42D15/10 , B32B17/06 , B32B38/06 , B32B5/00
CPC分类号： B42D25/373 , B32B2250/02 , B32B2255/10 , B32B2255/28 , B32B2425/00 , B42D25/00 , B42D25/285 , B42D25/318 , B42D2033/32 , G06K19/02 , G07D7/02 , Y10T428/24471
摘要： A portable consumer device having a substrate layer, a protective layer and a diamond-based brittle material layer having an intentionally created unique fissure or cracked patterns or crystal zone boundaries and systems and methods for making and using same are disclosed. The diamond-based brittle material layer includes a diamond material. The unique random fissure or cracked pattern and crystal zone boundaries, or the electromagnetic signature based thereon, of the brittle material layer are detected and used to authenticate the portable consumer device.
摘要翻译：公开了具有有意创造的独特的裂缝或裂纹图案或晶体区边界的基底层，保护层和金刚石基脆性材料层的便携式消费装置，以及用于制造和使用它们的系统和方法。基于金刚石的脆性材料层包括金刚石材料。检测脆性材料层中独特的随机裂缝或裂纹图案和晶体区边界或基于其的电磁特征，并将其用于认证便携式消费装置。

33. 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。

34. 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。

35. 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。

36. 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。

37. 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。

38. 发明申请

WO2009155058A2 GATEWAY SERVICE PLATFORM 审中-公开
标题翻译：网关服务平台
公开(公告)号：WO2009155058A2
公开(公告)日：2009-12-23
申请号：PCT/US2009/045493
申请日：2009-05-28
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , FAITH, Patrick , CARLSON, Mark , KOGANTI, Krishna, Prasad
发明人： FAITH, Patrick , CARLSON, Mark , KOGANTI, Krishna, Prasad
IPC分类号： G06Q20/00
CPC分类号： G06Q20/027 , G06Q30/06 , G06Q30/0601
摘要： A gateway service platform is disclosed that provides access to a payment processing system via an open network such as the internet. The gateway service platform also provides access to service systems that provide a variety of services and applications offered by or affiliated with the payment processing system. The gateway service platform allows the payment processing system to reach users and to facilitate transactions on a wide variety of devices that may not otherwise be able to connect to payment processing system. Other devices, such as payment terminal devices, can also interact with a payment processing system through the gateway service platform using the same network and protocol. Embodiments of the invention allow devices on these open networks to connect with the payment processing system without having to change the existing infrastructure of the payment processing system.
摘要翻译：公开了一种网关服务平台，其提供经由诸如互联网的开放网络对支付处理系统的访问。网关服务平台还提供对提供由支付处理系统提供或附属的各种服务和应用的服务系统的访问。网关服务平台允许支付处理系统接触用户并促进在不同的设备上可能无法连接到支付处理系统的交易。诸如支付终端设备的其他设备也可以通过使用相同网络和协议的网关服务平台与支付处理系统进行交互。本发明的实施例允许这些开放网络上的设备与支付处理系统连接，而不必改变支付处理系统的现有基础设施。

39. 发明申请

WO2005004026A1 METHOD AND SYSTEM FOR PROVIDING RISK INFORMATION IN CONNECTION WITH TRANSACTION PROCESSING 审中-公开
标题翻译：提供与交易处理有关的风险信息的方法和系统
公开(公告)号：WO2005004026A1
公开(公告)日：2005-01-13
申请号：PCT/US2004/021392
申请日：2004-07-01
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , VISA U.S.A. INC. , BRUESEWITZ, Belva J. , HILGERS, Nancy , FAITH, Patrick , SIEGEL, Kevin , LI, Xiaoli , KOGANTI, Kris , O'CONNELL, Craig
发明人： BRUESEWITZ, Belva J. , HILGERS, Nancy , FAITH, Patrick , SIEGEL, Kevin , LI, Xiaoli , KOGANTI, Kris , O'CONNELL, Craig
IPC分类号： G06F17/60
CPC分类号： G06Q20/4016 , G06Q20/04 , G06Q20/382 , G06Q20/40 , G06Q20/403 , G06Q20/409 , G06Q40/025 , G06Q40/08
摘要： A system for providing real-time risk mitigation for an authorization system (100). The system (100) receives authorization requests from multiple merchants (102) (or their respective acquirers) and processes such requests. Each processed request is then forwarded to its corresponding issuer (120) for further authorization. Each processed request includes an authorization message. The authorization message can include a risk score, a number of reason codes, and a number of condition codes. The use of the risk score, reason codes and condition codes allows issuers (120) to make better informed decisions with respect to providing authorizations.
摘要翻译：一种用于为授权系统（100）提供实时风险缓解的系统。系统（100）接收来自多个商户（102）（或其各自的获取者）的授权请求并处理这些请求。然后将每个被处理的请求转发给其对应的发行者（120）以供进一步授权。每个被处理的请求都包含一个授权消息。授权消息可以包括风险分数，原因代码的数量和条件代码的数量。使用风险分数，原因代码和条件代码，允许发行人（120）在提供授权方面做出更明智的决定。

40. 发明申请

WO2013006822A1 IMAGE-BASED PRODUCT MAPPING 审中-公开
标题翻译：基于图像的产品映射
公开(公告)号：WO2013006822A1
公开(公告)日：2013-01-10
申请号：PCT/US2012/045822
申请日：2012-07-06
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , FAITH, Patrick
发明人： FAITH, Patrick
IPC分类号： G06Q30/06 , G06F17/30 , G06Q10/08
CPC分类号： G06F17/30247 , G06F17/30265 , G06F17/3087 , G06Q30/06 , G06Q30/0623 , G06Q30/0639 , G06Q30/0643
摘要： Methods, systems, computer-readable media, and apparatuses for image-based product mapping are presented. In some embodiments, a server computer may receive, from a first computing device, a first image and information identifying a first location at which the first image was captured. The first image may include a first product. Subsequently, the server computer may receive, from a second computing device, a second image and information identifying a second location at which the second image was captured. The second image may include a second product, and the second location may be different from the first location. The server computer then may analyze the first image to identify the first product and the second image to identify the second product. Thereafter, the server computer may store, in at least one database, first information associating the first product with the first location, and second information associating the second product with the second location.
摘要翻译：提出了基于图像的产品映射的方法，系统，计算机可读介质和装置。在一些实施例中，服务器计算机可以从第一计算设备接收第一图像和标识第一图像被捕获的第一位置的信息。第一图像可以包括第一产品。随后，服务器计算机可以从第二计算设备接收第二图像和识别捕获第二图像的第二位置的信息。第二图像可以包括第二产品，并且第二位置可以不同于第一位置。然后，服务器计算机可以分析第一图像以识别第一产品和第二图像以识别第二产品。此后，服务器计算机可以在至少一个数据库中存储将第一产品与第一位置相关联的第一信息，以及将第二产品与第二位置相关联的第二信息。

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