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41. 发明申请

WO2010056961A2 DEVICE INCLUDING AUTHENTICATION GLYPH 审中-公开
标题翻译：设备包括认证GLYPH
公开(公告)号：WO2010056961A2
公开(公告)日：2010-05-20
申请号：PCT/US2009/064342
申请日：2009-11-13
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , FAITH, Patrick , HAMMAD, Ayman , CARLSON, Mark
发明人： FAITH, Patrick , HAMMAD, Ayman , CARLSON, Mark
IPC分类号： G06Q20/00 , G06F21/20
CPC分类号： G06F21/36 , G06Q20/40
摘要： A device used in an authentication process. The device includes a processor, a display coupled to the processor, and a computer readable medium coupled to the processor. The computer readable medium includes (i) code for displaying a first authentication image including a plurality of image elements including a set of image elements, where the image elements in the set of image elements are located at a first set of positions on a display screen, (ii) code for receiving a first glyph having a first configuration corresponding to the set of image elements from a user while the first authentication image is displayed, (iii) code for displaying a second authentication image including the plurality of image elements including the set of image elements, where the image elements in the set of image elements are located at a second set of positions on the display screen, where the second set of positions is different than the first set of positions, and (iv) code for receiving a second glyph having a second configuration corresponding to the set of image elements from a user while the first authentication image is displayed.
摘要翻译：在认证过程中使用的设备。该设备包括处理器，耦合到处理器的显示器以及耦合到处理器的计算机可读介质。计算机可读介质包括（i）用于显示包括包括一组图像元素的多个图像元素的第一认证图像的代码，其中图像元素组中的图像元素位于显示屏幕上的第一组位置，（ii）用于在显示第一认证图像时从用户接收具有与来自用户的图像元素集合相对应的第一配置的第一字形的代码，（iii）用于显示包括多个图像元素的第二认证图像的代码，图像元素集合，其中图像元素集合中的图像元素位于显示屏幕上的第二组位置，其中第二组位置不同于第一组位置，以及（iv）用于接收的代码在显示第一认证图像时，具有与来自用户的图像元素集合相对应的第二配置的第二字形。

42. 发明申请

WO2010036615A2 INTELLIGENT ALERT SYSTEM AND METHOD 审中-公开
标题翻译：智能警报系统和方法
公开(公告)号：WO2010036615A2
公开(公告)日：2010-04-01
申请号：PCT/US2009/057693
申请日：2009-09-21
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman , CARLSON, Mark
发明人： HAMMAD, Ayman , CARLSON, Mark
IPC分类号： H04W4/12 , G06Q50/00
CPC分类号： G06Q20/32 , G06Q20/10 , G06Q20/20 , G06Q20/403 , H04W4/12
摘要： A system and method for generating an intelligent alert message is disclosed. A user enrolls in the messaging service. Information that the user provides during the enrollment process are sent into a database. the user performs a transaction using a portable consumer device. Transaction data are sent to a computer apparatus. The computer apparatus accesses the database containing alert customization data. An intelligent alert message is generated based on the transaction data and the alert customization data. The intelligent alert message is sent to a user device. For example, after a user uses a portable consumer device to buy gas at a fuel dispenser in a gas purchase transaction, an alert message that is received by a user's phone may be "This is a gas purchase transaction. The amount may vary." In this example, the amount of the purchase is not known until after the user buys gas.
摘要翻译：公开了用于生成智能警报消息的系统和方法。用户注册消息服务。用户在注册过程中提供的信息被发送到数据库中。用户使用便携式消费者设备执行交易。交易数据被发送到计算机装置。计算机设备访问包含警报定制数据的数据库。根据交易数据和警报定制数据生成智能警报消息。智能警报消息被发送到用户设备。例如，在用户使用便携式消费者设备在天然气购买交易中在燃油加油机处购买气体之后，由用户电话接收的警报消息可以是“这是天然气购买交易”。该数量可能变化。“ 在这个例子中，直到用户购买天然气之后才知道购买金额。

43. 发明申请

WO2009055704A2 DEVICE INCLUDING MULTIPLE PAYMENT APPLICATIONS 审中-公开
标题翻译：包含多个付款应用程序的设备
公开(公告)号：WO2009055704A2
公开(公告)日：2009-04-30
申请号：PCT/US2008/081166
申请日：2008-10-24
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman , FAITH, Patrick
发明人： HAMMAD, Ayman , FAITH, Patrick
CPC分类号： G06Q20/32 , G06Q20/10 , G06Q20/20 , G06Q20/227 , G06Q20/3278 , G06Q20/3574 , G06Q20/40
摘要： Embodiments of the invention are directed to a method, a system, a device and a computer-readable media for selecting one or more payment application at the point-of-sale and using the select one or more payment applications to conduct a transaction. One embodiment is directed to a method for automatically selecting one or more payment applications to use in a transaction so that the selected payment applications give the consumer an optimized benefit or benefits.
摘要翻译：本发明的实施例针对用于在销售点选择一个或多个支付应用程序并使用所选择的一个或多个支付应用程序的方法，系统，设备和计算机可读介质支付应用程序进行交易。一个实施例涉及一种用于自动选择一个或多个支付应用程序以在交易中使用的方法，使得所选择的支付应用程序为消费者提供优化的益处或好处。

44. 发明申请

WO2005033851A2 METHOD AND SYSTEM FOR MANAGING CONCURRENT SKU-BASED REWARDS PROGRAM 审中-公开
标题翻译：用于管理同步基于SKU的奖励计划的方法和系统
公开(公告)号：WO2005033851A2
公开(公告)日：2005-04-14
申请号：PCT/US2004/030308
申请日：2004-09-15
申请人： VISA U. S. A. INC. , VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman , NGUYEN, Loc , REDFORD, Liane , YAMAMURA, Gary
发明人： HAMMAD, Ayman , NGUYEN, Loc , REDFORD, Liane , YAMAMURA, Gary
IPC分类号： G06F
CPC分类号： G06Q30/02 , G06Q30/0226 , G06Q30/0267
摘要： Techniques for providing a plurality of incentives for a product during a loyalty transaction are provided. A group of eligible incentives for a product are determined and one or more of the eligible incentives are selected and applied to the loyalty transaction. The techniques include determining a plurality of incentives that are eligible for application to the transaction, the eligibility based on at least one product; determining one or more incentives from the plurality of incentives to apply to the transaction; and applying the determined one or more incentives to the transaction.
摘要翻译：提供了在忠诚度交易期间为产品提供多种激励的技术。确定一组符合资格的产品激励措施，并选择一项或多项符合条件的激励措施并将其应用于忠诚度交易。这些技术包括确定有资格申请交易的多个激励，基于至少一个产品的资格; 确定从所述多个激励中应用于所述交易的一个或多个激励; 以及将所确定的一个或多个激励应用于所述交易。

45. 发明申请

WO2012135115A3 IN-PERSON ONE-TAP PURCHASING APPARATUSES, METHODS AND SYSTEMS 审中-公开
公开(公告)号：WO2012135115A3
公开(公告)日：2012-10-04
申请号：PCT/US2012/030560
申请日：2012-03-26
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , KATZIN, Edward , KHEIT, John , HAMMAD, Ayman , HUA, Julian , WALD, Jerry
发明人： KATZIN, Edward , KHEIT, John , HAMMAD, Ayman , HUA, Julian , WALD, Jerry
IPC分类号： G06Q30/06 , G06Q50/30 , G06K9/18
摘要： Methods, systems, and devices are disclosed for transforming product code snapshots into real-time, offer-driven electronic purchase transaction notifications that minimize fraud. In one embodiment, a smart phone scans a product identifier from a product package, a server accesses a products database for product purchase offers associated with the product identifier, a user authorizes a credit card from his or her wallet to charge, and then product purchase offers or other credit card offers (for loyalty points or otherwise) are provided to the user mobile device. After a user has purchased an item while in the aisle of the store, the user's smart phone displays a barcoded electronic receipt that can be scanned by the exit so that the consumer can walk out with the produce. In some embodiments, a video chat is requested by a customer service representative and a transaction risk score is lowered based on acceptance of the video chat.

46. 发明申请

WO2011153505A1 PAYMENT TOKENIZATION APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译：付款归位装置，方法和系统
公开(公告)号：WO2011153505A1
公开(公告)日：2011-12-08
申请号：PCT/US2011/039178
申请日：2011-06-03
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , FUENTES, Jacob , DILL, Matthew , TRIFILETTI, Greg , CIUREA, Peter , HAMMAD, Ayman
发明人： FUENTES, Jacob , DILL, Matthew , TRIFILETTI, Greg , CIUREA, Peter , HAMMAD, Ayman
IPC分类号： G06Q20/00
CPC分类号： G06Q20/32 , G06Q20/04 , G06Q20/425 , G06Q30/0601
摘要： The PAYMENT TOKENIZATION APPARATUSES, METHODS AND SYSTEMS ("PT") transform payment token-based purchase orders via PT components into multi-issuer purchase payment funds transfers. In one embodiment, the PT obtains a token arbitration request including unique source-neutral universally-resolvable payment token information from a merchant for processing a purchase order. The PT queries a token database for issuer information using the payment token information, and obtains the issuer information. The PT also determines the user should be queried for payment options based on the issuer information, generates a payment options request, and provides the payment options request to a user?s mobile device. Upon obtaining a response to the payment options request from the mobile device, the PT generates a purchase authorization request based on the payment options and pre-defined settings for issuers to be contacted for processing the purchase order, and provides the generated purchase authorization request to the issuer.
摘要翻译：付款授权设备，方法和系统（“PT”）通过PT组件将基于付款令牌的采购订单转换为多发行商购买支付资金转帐。在一个实施例中，PT从商家获得包括用于处理采购订单的来自商家的唯一源中性普遍可解决的支付令牌信息的令牌仲裁请求。 PT使用支付令牌信息查询令牌数据库的发行者信息，并获得发行者信息。 PT还确定基于发行者信息查询用户的付款选项，生成支付选项请求，并向用户的移动设备提供支付选择请求。在获得对来自移动设备的付款选择请求的响应时，PT基于用于处理采购订单的要联系的发行者的支付选项和预定义设置生成购买授权请求，并且将生成的购买授权请求提供给发行人。

47. 发明申请

WO2011127177A2 SYSTEM AND METHOD FOR SECURELY VALIDATING TRANSACTIONS 审中-公开
标题翻译：用于安全交易的系统和方法
公开(公告)号：WO2011127177A2
公开(公告)日：2011-10-13
申请号：PCT/US2011/031426
申请日：2011-04-06
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman
发明人： HAMMAD, Ayman
CPC分类号： G06Q20/12 , G06Q20/385 , G06Q20/4018 , G06Q20/425 , G06Q30/06 , H04L9/3234 , H04L2209/56
摘要： Systems and methods for validating and processing payment transactions are disclosed. In the embodiments of the invention a first authorization request message and a first verification value are received at a server computer. The verification value is validated and a second authorization request message with a second verification value is generated. The first verification value may be a dynamic value and the second verification value may be static value. The second verification value is associated with portable device used to perform a transaction and it is what the issuer computers of the portable device expect to receive as part of an authorization request message in a payment transaction.
摘要翻译：公开了验证和处理支付交易的系统和方法。在本发明的实施例中，在服务器计算机处接收到第一授权请求消息和第一验证值。验证值被验证，并且生成具有第二验证值的第二授权请求消息。第一验证值可以是动态值，第二验证值可以是静态值。第二验证值与用于执行交易的便携式设备相关联，并且便携式设备的发行者计算机期望在支付交易中作为授权请求消息的一部分接收。

48. 发明申请

WO2011112393A2 SYSTEM AND METHOD INCLUDING SECURITY PARAMETERS USED FOR GENERATION OF VERIFICATION VALUE 审中-公开
标题翻译：包括用于生成验证值的安全参数的系统和方法
公开(公告)号：WO2011112393A2
公开(公告)日：2011-09-15
申请号：PCT/US2011/026740
申请日：2011-03-01
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman
发明人： HAMMAD, Ayman
IPC分类号： G06Q20/00
CPC分类号： G07F7/12 , G06Q20/3552 , G06Q20/40 , G06Q20/4018
摘要： Systems and methods for generating a dynamic verification value for electronic payment transactions are disclosed. The dynamic verification value is generated via a function-based algorithm that accepts a plurality of security values as input. By selecting a set of security values from the plurality of the available security values, the level of complexity and security of the dynamic verification value can be adjusted and a unique security characteristic for the dynamic verification value is obtained. Also, the issuers of portable consumer devices are able to regenerate the dynamic verification value by inputting an issuer secret phrase into the same type of function-based algorithm that was used originally to generate the dynamic verification value.
摘要翻译：公开了用于生成电子支付交易的动态验证值的系统和方法。动态验证值通过基于函数的算法生成，该算法接受多个安全值作为输入。通过从多个可用安全值中选择一组安全值，可以调整动态验证值的复杂程度和安全性，并获得动态验证值的唯一安全特性。此外，便携式消费者设备的发行者能够通过将发行者秘密短语输入到最初用于生成动态验证值的相同类型的基于功能的算法中来再生动态验证值。

49. 发明申请

WO2011109508A2 SYSTEMS AND METHODS USING MOBILE DEVICE IN PAYMENT TRANSACTION 审中-公开
标题翻译：使用移动设备进行付款交易的系统和方法
公开(公告)号：WO2011109508A2
公开(公告)日：2011-09-09
申请号：PCT/US2011/026858
申请日：2011-03-02
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman , HURRY, Simon
发明人： HAMMAD, Ayman , HURRY, Simon
CPC分类号： G06Q20/32 , G06Q20/325 , G06Q20/3278 , G06Q20/383 , G06Q20/40 , G06Q30/0613 , G06Q40/02
摘要： Systems and methods for performing a payment transaction are disclosed. In the embodiments of the invention, a mobile device is used by a user to receive an identifier associated with a piece of merchandise or a service from a merchant. The user then initiates a payment transaction with a remote payment server computer hosted by a third party processor. Upon completion of the payment transaction, the remote payment server computer notifies the user and the merchant that a payment has been made. The merchant then provide the merchandise or the service to the user. In the embodiments of the invention, a payment transaction is performed without exposing or disclosing financial account information of the user to the merchant.
摘要翻译：公开了用于执行支付交易的系统和方法。在本发明的实施例中，用户使用移动设备从商家接收与一件商品相关联的标识符或服务。用户然后启动与由第三方处理器托管的远程支付服务器计算机的支付交易。在支付交易完成时，远程支付服务器计算机通知用户和商家已经进行了支付。然后，商家向用户提供商品或服务。在本发明的实施例中，执行支付交易而不向商家公开或公开用户的金融账户信息。

50. 发明申请

WO2011031988A2 SECURE COMMUNICATION OF PAYMENT INFORMATION TO MERCHANTS USING A VERIFICATION TOKEN 审中-公开
标题翻译：使用验证功能将付款信息安全通信给商户
公开(公告)号：WO2011031988A2
公开(公告)日：2011-03-17
申请号：PCT/US2010/048455
申请日：2010-09-10
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman
发明人： HAMMAD, Ayman
IPC分类号： G06Q20/00
CPC分类号： G06Q20/40 , G06F21/34 , G06Q20/12 , G06Q20/385 , G06Q20/42 , G06Q20/425 , H04L9/3234 , H04L9/3273 , H04L63/0853 , H04L63/126 , H04L2209/56
摘要： Disclosed are apparatuses, systems, and methods pertaining to the secure communication of payment information from portable consumer devices, such as credit cards, to online merchants using verification tokens.
摘要翻译：公开了与使用验证令牌的在线商家将便携式消费者设备（例如信用卡）的支付信息的安全通信相关的装置，系统和方法。

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