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51. 发明申请

WO2011011401A2 AN APPARATUS INCLUDING DATA BEARING MEDIUM FOR AUTHORIZING A PAYMENT TRANSACTION USING SEASONED DATA 审中-公开
标题翻译：包括数据承载介质的装置，用于使用季节数据来批准支付交易
公开(公告)号：WO2011011401A2
公开(公告)日：2011-01-27
申请号：PCT/US2010/042586
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
CPC分类号： G06Q20/12 , G06Q20/32 , G06Q20/40 , G06Q20/4016 , G06Q20/4018 , G06Q30/06 , G07F7/08
摘要： A system, apparatus, and method for expediting the authorization of an electronic payment transaction. Authorization of a transaction at a node of an authorization network is the result of inferring the trustworthiness of a customer to the transaction using data obtained from a different node of the authorization network. The authorization process is expedited by relying on the previous authentication decision of another node, where the previous decision may have been made based on a different payment device or different user inputs. The invention uses a decision made by a first node in the authorization network as a proxy for the authorization decision at a different node, thereby transferring the trustworthiness of a consumer, consumer's device, payment device, or other aspect of the transaction from the first node to the second.
摘要翻译：一种用于加快电子支付交易授权的系统，装置和方法。在授权网络的节点处的交易的授权是使用从授权网络的不同节点获得的数据来推断客户对交易的可信度的结果。通过依赖另一个节点的先前的认证决定来加速授权过程，其中先前的决定可能是基于不同的支付设备或不同的用户输入进行的。本发明使用由授权网络中的第一节点做出的决定作为在不同节点处的授权决定的代理，从而从第一节点传送消费者，消费者设备，支付设备或交易的其他方面的可信赖性到第二个

52. 发明申请

WO2010129282A2 ALERT ARCHITECTURE 审中-公开
标题翻译：警示架构
公开(公告)号：WO2010129282A2
公开(公告)日：2010-11-11
申请号：PCT/US2010/032583
申请日：2010-04-27
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman , CARLSON, Mark
发明人： HAMMAD, Ayman , CARLSON, Mark
IPC分类号： G06Q20/00
CPC分类号： G06Q20/401 , G06Q20/202 , G06Q20/325 , G06Q20/40 , G06Q30/0185 , G06Q30/0224 , G06Q30/0236 , G06Q40/12 , G06Q50/265 , G08B5/229 , G08B25/004 , H04L12/1895 , H04L67/04 , H04L67/26 , H04L67/306
摘要： Systems, architecture of the systems, and methods for generating alert message are disclosed. A user enrolls in an alert messaging service. Information that the user provides during an 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 alert message is generated based on the transaction data and the alert customization data. The alert message is sent to a user device. The systems, resources and processes responsible for performing the transaction and providing the alert messages are separated so that the transaction processing and alert generation are performed in parallel by systems in communication with each other. Utilizing such method prevents the transaction processing system from being overloaded with additional processes, while maintains a desired level of efficiency, security and reliability of the payment processing system.
摘要翻译：公开了系统，系统的架构和用于生成警报消息的方法。用户注册一个警报消息服务。在注册过程期间用户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来执行交易。事务数据被发送到计算机装置。计算机装置访问包含警报定制数据的数据库。基于事务数据和警报定制数据生成警报消息。警报消息被发送到用户设备。负责执行事务和提供警报消息的系统，资源和过程被分离，使得通过彼此通信的系统并行执行事务处理和警报生成。利用这种方法防止事务处理系统由于额外的过程而过载，同时保持支付处理系统的期望的效率水平，安全性和可靠性。

53. 发明申请

WO2010129245A3 SKU LEVEL CONTROL AND ALERTS 审中-公开
标题翻译： SKU级别控制和警报
公开(公告)号：WO2010129245A3
公开(公告)日：2010-11-11
申请号：PCT/US2010/032495
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： G06Q20/00 , G06Q30/00
摘要： Embodiments of the present invention are directed to a system and method for determining the products involved in a transaction conducted with a subsidiary user of a payment account, and transmitting messages containing product specific information. Systems may be implemented to transmit product identifiers during payment processing. The product specific information may be included in alert messages sent to an account holder.
摘要翻译：本发明的实施例针对用于确定涉及与支付账户的辅助用户进行的交易中的产品并传送包含产品特定信息的消息的系统和方法。可以实施系统以在支付处理期间传输产品标识符。产品特定信息可能包含在发送给帐户持有人的警报消息中。

54. 发明申请

WO2010129201A3 ALERTS LIFE CYCLE 审中-公开
标题翻译：警报生命周期
公开(公告)号：WO2010129201A3
公开(公告)日：2010-11-11
申请号：PCT/US2010/032239
申请日：2010-04-23
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark , HAMMAD, Ayman
发明人： CARLSON, Mark , HAMMAD, Ayman
IPC分类号： G06Q50/00 , G06F17/00
摘要： Server computers and methods for updating or changing user alert message settings when changes are made to one or more user accounts are disclosed. The change in the user accounts can include transfers of a user account or user account identifier from one user account issuer to another user account issuer. The change in user accounts can be initiated by a user or issuer associated with the user account. When changes are made to the user accounts or changes are made to the user alert message settings, the server computer can confirm the changes with the user or issuer associated with the user accounts that are changed.
摘要翻译：披露了当对一个或多个用户帐户进行更改时更新或更改用户警报消息设置的服务器计算机和方法。用户账户中的改变可以包括将用户账户或用户账户标识符从一个用户账户发行者转移到另一个用户账户发行者。用户帐户中的更改可以由与该用户帐户关联的用户或发行人发起。当更改用户帐户或对用户警报消息设置进行更改时，服务器计算机可以确认与更改的用户帐户关联的用户或颁发者所做的更改。

55. 发明申请

WO2010121137A2 ENROLLMENT SERVER 审中-公开
标题翻译： ENROLLING服务器
公开(公告)号：WO2010121137A2
公开(公告)日：2010-10-21
申请号：PCT/US2010/031402
申请日：2010-04-16
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , FAITH, Patrick , HAMMAD, Ayman , COYNE, Jack
发明人： FAITH, Patrick , HAMMAD, Ayman , COYNE, Jack
IPC分类号： G06Q10/00 , G06F21/20
CPC分类号： G06Q20/3255 , G06Q20/00 , G06Q20/3223 , G06Q20/4016 , G06Q20/405 , G06Q30/0201 , G06Q40/02 , G06Q40/12
摘要： Systems, methods and apparatus for processing enrollment requests are provided. Enrollment requests may be sent from a user to an enrollment server. The enrollment server may verify the information in the enrollment request with entities that may contain authoritative data reflecting the validity of the information in the enrollment request. The authenticity of devices involved in the enrollment request may also be verified. In addition, the user's transaction history can be reviewed to determine if the enrollment fits the user's transaction history profile. Based on the verified information and a level of risk associated with the enrollment, the enrollment server may allow or deny the enrollment request.
摘要翻译：提供了用于处理注册请求的系统，方法和装置。注册请求可以从用户发送到注册服务器。注册服务器可以使用可能包含反映注册请求中的信息的有效性的权威数据的实体来验证注册请求中的信息。注册请求中涉及的设备的真实性也可以被验证。此外，可以审查用户的交易历史以确定注册是否符合用户的交易历史资料。根据验证信息和与注册相关的风险级别，注册服务器可以允许或拒绝注册请求。

56. 发明申请

WO2009055726A3 VALUE-ADDED SERVICES ENGINE 审中-公开
公开(公告)号：WO2009055726A3
公开(公告)日：2009-04-30
申请号：PCT/US2008/081198
申请日：2008-10-24
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman , FAITH, Patrick
发明人： HAMMAD, Ayman , FAITH, Patrick
IPC分类号： G06Q30/00
摘要： Systems and methods for conducting a transaction using a Value-Added Services Engine. The method initiates sending transaction information with a product identifier identifying a product associated with a transaction conducted between a merchant and a consumer to the Value-Added Services Engine. The Value-Added Services Engine is programmed to determine a benefit associated with the product. The benefit is determined after communicating with a supplier of the product. The method also receives an indication of the benefit.

57. 发明申请

WO2007002460A3 APPARATUS AND METHOD FOR PREVENTING WIRELESS INTERROGATION OF PORTABLE CONSUMER DEVICES 审中-公开
公开(公告)号：WO2007002460A3
公开(公告)日：2007-01-04
申请号：PCT/US2006/024571
申请日：2006-06-23
申请人： VISA U. S. A. INC. , VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman , DIXON, Phil
发明人： HAMMAD, Ayman , DIXON, Phil
IPC分类号： G06F15/173
摘要： An apparatus and method is provided to prevent contactless portable electronic consumer devices such as an RF identification device (RFID)3 tokens, mini-cards, key fobs, cellular phones, smart card, etc. from being wirelessly interrogated. In one embodiment, a decoy circuit capable of detecting wireless interrogation signals transmitted to a contactless portable consumer device is used to prevent one or more interrogation devices from interrogating an authentic circuit in the contactless portable consumer device.

58. 发明申请

WO2012142045A2 MULTIPLE TOKENIZATION FOR AUTHENTICATION 审中-公开
标题翻译：多次授权认证
公开(公告)号：WO2012142045A2
公开(公告)日：2012-10-18
申请号：PCT/US2012/032931
申请日：2012-04-10
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman
发明人： HAMMAD, Ayman
IPC分类号： G06Q20/40
CPC分类号： G06Q20/3674 , G06F9/30196 , G06F9/3822 , G06Q20/12 , G06Q20/382 , G06Q20/3823 , G06Q20/385 , G06Q20/40 , G06Q20/401 , G06Q20/405 , H04L9/32
摘要： Embodiments of the present invention are directed generally to systems, methods, and apparatuses for authenticating a cardholder using double tokenization authentication. Embodiments of the invention are directed at a method. The method includes receiving at a first entity a first token from a consumer and determining a second token associated with the first token. Once the second token is determined, the second token is sent to a server computer at a second entity. The server computer then determines an account identifier associated with the second token and processes a transaction using the account identifier.
摘要翻译：本发明的实施例一般涉及用于使用双重标记认证来认证持卡人的系统，方法和装置。本发明的实施例涉及一种方法。该方法包括在第一实体处接收来自消费者的第一令牌并且确定与第一令牌相关联的第二令牌。一旦确定了第二个令牌，第二个令牌将被发送到第二个实体的服务器计算机。然后，服务器计算机确定与第二令牌相关联的帐户标识符，并使用帐户标识符处理交易。

59. 发明申请

WO2012125759A2 SYSTEM AND METHOD FOR PROCESSING PAYMENT TRANSACTIONS 审中-公开
标题翻译：处理支付交易的系统和方法
公开(公告)号：WO2012125759A2
公开(公告)日：2012-09-20
申请号：PCT/US2012/029118
申请日：2012-03-14
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman , FAITH, Patrick L. , CARLSON, Mark
发明人： HAMMAD, Ayman , FAITH, Patrick L. , CARLSON, Mark
IPC分类号： G06Q20/40
CPC分类号： G06Q20/401 , G06Q20/20 , G06Q20/32 , G06Q20/34 , G06Q20/382 , G06Q20/40 , G06Q20/409
摘要： A system and associated data processing flow for processing payment transactions that are conducted using a payment account or portable consumer device. The portable consumer device may be in any suitable form, including cards, key fobs, devices containing a contactless element, smart cards (having contacts or without contacts), etc. The invention separates the authentication of the payment account or payment device from the transaction authorization process, enabling different entities to be responsible for each of those functions.
摘要翻译：用于处理使用支付帐户或便携式消费者设备进行的支付交易的系统和相关联的数据处理流程。便携式消费设备可以是任何合适的形式，包括卡，密钥卡，包含非接触元件的设备，智能卡（具有联系人或不具有联系人）等。本发明将支付帐户或支付设备的认证与交易分离授权过程，使不同的实体能够对这些功能负责。

60. 发明申请

WO2012112822A2 SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译： SNAP移动支付设备，方法和系统
公开(公告)号：WO2012112822A2
公开(公告)日：2012-08-23
申请号：PCT/US2012/025530
申请日：2012-02-16
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman , KARPENKO, Igor , GAVRILOV, Miroslav , SHRIVASTAVA, Abhinav , CARLSON, Mark
发明人： HAMMAD, Ayman , KARPENKO, Igor , GAVRILOV, Miroslav , SHRIVASTAVA, Abhinav , CARLSON, Mark
IPC分类号： G06Q30/06
CPC分类号： G06Q20/3674 , G06Q20/20 , G06Q20/204 , G06Q20/3276 , G06Q30/06
摘要： The SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS ("SNAP") transform real-time-generated merchant-product Quick Response codes via SNAP components into virtual wallet card-based transaction purchase notifications. In one embodiment, the SNAP obtains a snapshot of a QR code presented on a display screen of a point-of-sale device from a mobile device. The SNAP decodes the QR code to obtain product information included in a checkout request of the user, and merchant information for processing a user purchase transaction with a merchant providing the QR code. The SNAP accesses a user virtual wallet to obtain user account information to process the user purchase transaction with the merchant. Using the product information, merchant information and user account information, the SNAP generates a card authorization request, and which the SNAP provides to a payment network for transaction processing. Also, the SNAP obtains a purchase receipt confirming processing of the user purchase transaction.
摘要翻译： SNAP手机付款设备，方法和系统（“SNAP”）通过SNAP组件将实时生成的商品快速响应代码转换为基于虚拟钱包卡的交易购买通知。在一个实施例中，SNAP从移动设备获得在销售点设备的显示屏上呈现的QR码的快照。 SNAP解码QR码以获得包括在用户的结帐请求中的产品信息，以及用于处理与提供QR码的商家的用户购买交易的商家信息。 SNAP访问用户虚拟钱包以获得用户帐户信息以处理与商家的用户购买交易。使用产品信息，商家信息和用户帐户信息，SNAP生成卡授权请求，SNAP提供给支付网络进行事务处理。此外，SNAP获得用户购买交易的购买收据确认处理。

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