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51. 发明申请

WO2010129563A3 DETERMINING TARGETED INCENTIVES BASED ON CONSUMER TRANSACTION HISTORY 审中-公开
标题翻译：基于消费者交易历史确定目标刺激
公开(公告)号：WO2010129563A3
公开(公告)日：2010-11-11
申请号：PCT/US2010/033567
申请日：2010-05-04
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , FAITH, Patrick , SIEGEL, Kevin P.
发明人： FAITH, Patrick , SIEGEL, Kevin P.
IPC分类号： G06Q30/00
摘要： Systems, apparatus, and methods for determining incentives based on consumer history. When, how, and to whom incentives are sent can be determined. For example, an incentive can be sent to a consumer to encourage a transaction at a time when the particular consumer is predisposed to initiate the transaction. Also, an incentive for a transaction can be sent to a consumer when that transaction has a high likelihood of leading to other transactions. An incentive can also be sent after a consumer initiates a transaction that is known to not have many subsequent transaction correlated to it.
摘要翻译：基于消费者历史来确定激励的系统，设备和方法。何时，如何和向谁发送奖励可以确定。例如，当特定消费者易于启动交易时，可以向消费者发送激励以鼓励交易。另外，当交易很可能导致其他交易时，可以将交易激励发送给消费者。激励也可以在消费者启动一个已知没有很多后续交易的交易后发送。

52. 发明申请

WO2012167116A3 LOCAL USAGE OF ELECTRONIC TOKENS IN A TRANSACTION PROCESSING SYSTEM 审中-公开
公开(公告)号：WO2012167116A3
公开(公告)日：2012-12-06
申请号：PCT/US2012/040507
申请日：2012-06-01
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HARRIS, Theodore , FAITH, Patrick
发明人： HARRIS, Theodore , FAITH, Patrick
IPC分类号： G06Q20/40
摘要： A method for the use of electronic transactional tokens includes: generating a plurality of transactional tokens including a first token; associating each of the transactional tokens with a plurality of users, the first token associated with a first user; monitoring usage of the transactional tokens in a plurality of transactions in a local region or network; and in response to receiving transactional data for the first transaction, updating the first token from a first state to a second state (e.g., to provide a benefit when the token is applied in the local region or network). The tokens may be generated and monitored using a token processing system, which uses transaction data received by a transaction handler that is handling transaction processing for the transactions.

53. 发明申请

WO2012122060A1 CLOUD SERVICE FACILITATOR APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译：云服务机构设备，方法和系统
公开(公告)号：WO2012122060A1
公开(公告)日：2012-09-13
申请号：PCT/US2012/027620
申请日：2012-03-02
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HARRIS, Theodore David , FAITH, Patrick
发明人： HARRIS, Theodore David , FAITH, Patrick
IPC分类号： G06Q30/00
CPC分类号： G06Q30/016 , G06Q20/12
摘要： The CLOUD SERVICE FACILITATOR APPARATUSES, METHODS AND SYSTEMS ("CSF") transforms user purchase requests, refund requests, and product/service replacement requests via CSF components into transaction records, refunds, and replacement products/services outputs. The CSF may receive a consumer purchase request for a cloud service from a merchant. In response to the request, the CSF may generate a unique record key for the purchase and may transmit the unique record key to the merchant. The CSF may further receive additional transaction information and the unique record key from the merchant. In response to the received information and the unique key, the CSF may provide additional service to the merchant or the consumer.
摘要翻译：云服务机构设备，方法和系统（“CSF”）通过CSF组件将用户购买请求，退款请求和产品/服务更换请求转换为交易记录，退款和替换产品/服务输出。 CSF可以从商家接收针对云服务的消费者购买请求。响应于该请求，CSF可以生成用于购买的唯一记录密钥，并且可以将唯一记录密钥发送给商家。 CSF可以进一步从商家接收额外的交易信息和唯一记录密钥。响应于接收到的信息和唯一密钥，CSF可以向商家或消费者提供额外的服务。

54. 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。

55. 发明申请

WO2010129571A2 DEMOGRAPHIC ANALYSIS USING TIME-BASED CONSUMER TRANSACTION HISTORIES 审中-公开
标题翻译：使用基于时间的消费者交易历史的人口统计分析
公开(公告)号：WO2010129571A2
公开(公告)日：2010-11-11
申请号：PCT/US2010/033578
申请日：2010-05-04
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , FAITH, Patrick , SIEGEL, Kevin P. , ZHONGXIAO, Jiang
发明人： FAITH, Patrick , SIEGEL, Kevin P. , ZHONGXIAO, Jiang
IPC分类号： G06Q10/00 , G06Q50/00
CPC分类号： G06Q20/4016 , G06Q10/04 , G06Q10/06375 , G06Q20/40 , G06Q30/02 , G06Q30/0202 , G06Q30/0204 , G06Q30/0205 , G06Q30/0224 , G06Q30/0269 , G06Q40/00 , G06Q40/12
摘要： Systems, apparatus, and methods for determining groups of similar consumers and for identifying a trend in consumer behavior are provided. Likelihoods of a transaction being initiated at various times by one consumer can be calculated based on previous transactions of the consumer. The likelihoods for different consumers can be used to determine a group of similar consumers as a demographic. The likelihoods of a transaction being initiated at various times by a consumer of a demographic (or other entity) can be used to forecast trends (such as a demand for a product) and make business decisions, such as for marketing campaigns, inventory levels (e.g. at particular stores or for all stores), pricing, and store locations. Such likelihoods when focused to a particular category of transactions can provide even greater accuracy.
摘要翻译：提供了用于确定类似消费者群体并识别消费者行为趋势的系统，装置和方法。可以根据消费者的先前交易来计算在一个消费者的不同时间发起的交易的可能性。不同消费者的可能性可用于确定一组类似消费者的人口。消费者可以使用人口统计（或其他实体）在不同时间启动交易的可能性来预测趋势（例如对产品的需求）并做出业务决策，例如营销活动，库存水平（例如在特定商店或所有商店），定价和商店位置。当专注于特定类别的交易时，这种可能性可以提供更高的准确性。

56. 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。

57. 发明申请

WO2012106655A2 MERCHANT-CONSUMER BRIDGING PLATFORM APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译：商业消费者桥梁平台设备，方法和系统
公开(公告)号：WO2012106655A2
公开(公告)日：2012-08-09
申请号：PCT/US2012/023856
申请日：2012-02-03
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , KATZIN, Edward N. , KUMNICK, Phillip Lyle , HARRIS, Theodore David , FAITH, Patrick , SCHULZ, Jennifer Ann
发明人： KATZIN, Edward N. , KUMNICK, Phillip Lyle , HARRIS, Theodore David , FAITH, Patrick , SCHULZ, Jennifer Ann
IPC分类号： G06Q20/40
CPC分类号： G06Q20/20 , G06Q20/027 , G06Q20/12 , G06Q20/4016
摘要： The merchant-consumer bridging platform apparatuses, methods and systems ("MCB-Platform") various activity requests (e.g., transaction request, merchant information update request, offer issuance request, etc.) via MCB-Platform components into transaction records and merchant database updates outputs. In one implementation, a method is disclosed, comprising: receiving an activity request including merchant information associated with a merchant; retrieving a previously stored merchant record from a database; determining merchant information update indicia based on a comparison of the merchant information and the previously stored merchant record; determining a confidence metric for the merchant information update; retrieving a confidence requirement based on the activity request; determining, within a low-latency processing time-frame, whether the determined confidence metric satisfies the retrieved confidence requirement; performing the requested activity and updating the previously stored merchant record with the merchant information update indicia when the determined confidence metric satisfies the retrieved confidence requirement; and declining the activity request when the determined confidence metric satisfies the retrieved confidence requirement.
摘要翻译：通过MCB-Platform组件将商业消费者桥接平台设备，方法和系统（“MCB平台”）各种活动请求（例如，交易请求，商家信息更新请求，提供发行请求等）转换成交易记录和商家数据库更新输出。在一个实现中，公开了一种方法，包括：接收包括与商家相关联的商家信息的活动请求; 从数据库检索先前存储的商家记录; 基于所述商家信息和先前存储的商家记录的比较来确定商家信息更新标记; 确定商家信息更新的置信度度; 基于活动请求检索置信度要求; 在低延迟处理时间帧内确定所确定的置信度量度是否满足所检索的置信度要求; 当确定的置信度量度满足所检索的置信度要求时，执行所请求的活动并更新具有商户信息更新标记的先前存储的商家记录; 并且当所确定的置信度量度满足检索的置信度要求时，拒绝活动请求。

58. 发明申请

WO2010135154A3 DEVICE INCLUDING ENCRYPTED DATA FOR EXPIRATION DATE AND VERIFICATION VALUE CREATION 审中-公开
公开(公告)号：WO2010135154A3
公开(公告)日：2010-11-25
申请号：PCT/US2010/034763
申请日：2010-05-13
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , FAITH, Patrick , KOGANTI, Kris
发明人： FAITH, Patrick , KOGANTI, Kris
IPC分类号： G06Q20/00 , G06F21/00
摘要： In order to make it more difficult to obtain numbers that can be used to conduct fraudulent transactions, a portion of a real account number is encrypted. The encrypted portion of the account number is used to generate a new account number, a new expiration date, and a new verification value. This information can be determined using processor that may reside in a point of sale terminal, a smart card, or a computer operated by a user. The new account number, the new expiration date, and the new verification value can be used in a payment transaction. A server computer in a central payment processing network may determine that the new account information is not the real account information, and may subsequently generate a modified authorization request message using the real account information and may send it to an issuer for approval. The transmission of data is more secure, since real account information is not sent from the merchant to the payment processing network.

59. 发明申请

WO2010053899A2 ONLINE CHALLENGE-RESPONSE 审中-公开
标题翻译：在线挑战 - 响应
公开(公告)号：WO2010053899A2
公开(公告)日：2010-05-14
申请号：PCT/US2009/063067
申请日：2009-11-03
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , WELLER, Kevin , STEELE, Kim , KOGANTI, Krishna Prasad , FAITH, Patrick
发明人： WELLER, Kevin , STEELE, Kim , KOGANTI, Krishna Prasad , FAITH, Patrick
IPC分类号： G06Q20/00 , G06F21/00
CPC分类号： G06Q20/4016 , G06F21/31 , G06F2221/2103 , G06Q20/12 , G06Q20/40 , G06Q20/405 , G06Q30/06 , G06Q50/265 , H04L9/3213 , H04L9/3226 , H04L9/3273
摘要： Embodiments of the invention enable cardholders conducting an online transaction to be authenticated in real-time using a challenge-response application. The challenge-response application can be administered by an issuer or by a third party on-behalf-of an issuer. A challenge question can be presented to the cardholder, and the cardholder's response can be verified. The challenge question presented can be selected based on an analysis of the risk of the transaction and potentially other factors. A variety of dynamic challenge questions can be used without the need for the cardholder to enroll into the program. Additionally, there are many flexible implementation options of the challenge-response application that can be adjusted based on factors such as the location of the merchant or the location of the consumer.
摘要翻译：本发明的实施例使得进行在线交易的持卡人能够使用询问 - 应答应用来实时认证。质疑 - 回应申请可以由发行人或代表发行人的第三方管理。可以向持卡人提出挑战问题，并且可以验证持卡人的回应。提出的挑战问题可以根据对交易风险和潜在其他因素的分析来选择。可以使用各种动态挑战问题，而无需持卡人参加该计划。此外，挑战 - 响应应用程序还有许多灵活的实施选项，可根据诸如商家位置或消费者位置等因素进行调整。

60. 发明申请

WO2009135042A2 RECOVERY OF TRANSACTION INFORMATION 审中-公开
标题翻译：恢复交易信息
公开(公告)号：WO2009135042A2
公开(公告)日：2009-11-05
申请号：PCT/US2009/042373
申请日：2009-04-30
申请人： VISA USA INC. , FAITH, Patrick , KOGANTI, Krishna, Prasad , VAN DELOO, Lori, D. , MASON, Taylor, Montgomery , STEELE, Kim , WELLER, Kevin , HAMMAD, Ayman , WONG, Kevin, Eric
发明人： FAITH, Patrick , KOGANTI, Krishna, Prasad , VAN DELOO, Lori, D. , MASON, Taylor, Montgomery , STEELE, Kim , WELLER, Kevin , HAMMAD, Ayman , WONG, Kevin, Eric
IPC分类号： G06Q20/00
CPC分类号： G06Q20/4016 , G06Q20/105 , G06Q20/12 , G06Q20/40 , G06Q30/0601 , G06Q40/00
摘要： Online transaction processing over a communication network involves receiving a transaction input comprising an authorization request message for a transaction conducted over a communication network between a consumer and a merchant using a portable consumer device having a memory, wherein the authorization request message contains data comprising a transaction total amount for the transaction and additional information not stored in the memory of the portable consumer device and related to the transaction. Issuer authorization processing is performed in response to the authorization request message data, and a decision output is produced in response to the transaction input and the issuer authorization processing. Thus, a decision output is produced in an efficient manner using additional information for the issuer authorization processing, and the additional information reduces the likelihood of declining a transaction that should otherwise be authorized.
摘要翻译：通过通信网络进行的在线交易处理包括接收包括通过使用具有存储器的便携式消费者设备在消费者和商家之间通过通信网络进行的交易的授权请求消息的交易输入，其中所述授权请求消息包含包括交易的数据交易的总金额和未存储在便携式消费者设备的存储器中并与交易相关的附加信息。响应于授权请求消息数据执行颁发者授权处理，并且响应于事务输入和发行者授权处理产生决策输出。因此，使用用于发行者授权处理的附加信息以有效的方式产生决策输出，并且附加信息减少拒绝另外被授权的交易的可能性。

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