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1. 发明申请

WO2010141573A2 SYSTEM AND METHOD FOR PROVIDING AUTHENTICATION FOR CARD NOT PRESENT TRANSACTIONS USING MOBILE DEVICE 审中-公开
标题翻译：使用移动设备提供不存在交易的认证的系统和方法
公开(公告)号：WO2010141573A2
公开(公告)日：2010-12-09
申请号：PCT/US2010/037054
申请日：2010-06-02
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , KULPATI, Ashish , RAJURKAR, Pankaj , SAM OON, Soon Guan , FISHER, Douglas , DIMMICK, James, Dene , DOMINGUEZ, Benedicto, Hernandez , KIM, In-Tchang
发明人： KULPATI, Ashish , RAJURKAR, Pankaj , SAM OON, Soon Guan , FISHER, Douglas , DIMMICK, James, Dene , DOMINGUEZ, Benedicto, Hernandez , KIM, In-Tchang
IPC分类号： G06Q20/00 , H04W12/06
CPC分类号： G06Q20/322 , G06Q20/32 , G06Q20/40 , H04L63/083
摘要： A system, apparatus, and method includes infrastructure and processes to enable a consumer to register their mobile phone number and associate that number with a payment account. After registration, the consumer may use their mobile phone to initiate or perform one or more stages of a payment transaction. The payment transaction is recognized as being initiated or performed by a mobile phone, and in response a server may authenticate the transaction based on the mobile phone number and a previous registration and authentication process. In other embodiments, the server may recognize the payment transaction as being initiated or performed by a mobile phone, and in response contact the consumer using the mobile phone to request confirmation of the consumer's desire to perform the transaction.
摘要翻译：系统，装置和方法包括使消费者能够注册他们的移动电话号码并将该号码与支付帐户相关联的基础设施和过程。注册后，消费者可以使用他们的手机发起或执行支付交易的一个或多个阶段。支付交易被识别为由移动电话发起或执行，并且作为响应，服务器可以基于移动电话号码和先前的注册和认证过程来认证交易。在其他实施例中，服务器可以将支付交易识别为由移动电话发起或执行，并且响应于使用移动电话联系消费者来请求确认消费者执行交易的愿望。

2. 发明申请

WO2010138445A2 MANAGED REAL-TIME TRANSACTION FRAUD ANALYSIS AND DECISIONING 审中-公开
标题翻译：管理实时交易欺诈分析与决策
公开(公告)号：WO2010138445A2
公开(公告)日：2010-12-02
申请号：PCT/US2010/035936
申请日：2010-05-24
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , FISHER, Richard
发明人： FISHER, Richard
IPC分类号： G06Q20/00
CPC分类号： G06Q20/40 , G06Q10/0635 , G06Q20/24 , G06Q20/4016 , G06Q30/0185 , G06Q30/06 , G06Q40/00 , G06Q40/02 , G06Q40/08
摘要： A system, apparatus, and method for providing real-time or pseudo real-time processing of transactions for a set of clients using a common or partially common rule base. Each client is assigned to a tier or category with the tier or category defined by specified performance criteria. In some embodiments, the specified performance criteria includes a false positive ratio (FPR). A rule for processing transactions is defined as a combination of an interval of a scoring range of a first risk assessment scoring system and an interval of a scoring range of a second risk assessment scoring system. A proposed rule is tested by determining if its performance falls within a defined range of the performance criteria when applied to data for previous transactions.
摘要翻译：一种用于使用公共或部分共同的规则库为一组客户端提供事务的实时或伪实时处理的系统，装置和方法。每个客户端被分配到具有由指定性能标准定义的层或类别的层或类别。在一些实施例中，指定的性能标准包括假阳性率（FPR）。处理交易的规则被定义为第一风险评估评分系统的评分范围的间隔与第二风险评估评分系统的评分范围的间隔的组合。当应用于先前交易的数据时，通过确定其性能是否落在性能标准的定义范围内来测试提出的规则。

3. 发明申请

WO2009132066A3 NEGATIVE BALANCE MANAGEMENT 审中-公开
公开(公告)号：WO2009132066A3
公开(公告)日：2009-10-29
申请号：PCT/US2009/041352
申请日：2009-04-22
申请人： VISA U.S.A. INC. , VASTEN, Brett
发明人： VASTEN, Brett
IPC分类号： G06Q40/00
摘要： A system, apparatus, and method for managing account data for accounts having a negative balance. The invention embodiment includes a method, process or workflow for processing data for accounts associated with a debit, credit, pre-paid card or other form of financial instrument that have a negative balance. The data processing includes application of issuer criteria or filters to determine if certain of the accounts having a negative balance are not suitable for chargeback processing and instead may be processed in bulk, thereby reducing administrative and data processing overhead. For each account that is potentially eligible for chargeback processing, the invention embodiment accesses the account data and determines if the data supports initiation of a chargeback procedure for one or more transactions described by the account data. If the account contains one or more transactions that are eligible for chargeback processing, then a provisional credit in the amount of the one or more transactions may be applied to the account.

4. 发明申请

WO2020006276A1 SYSTEM AND METHODS FOR PROVIDING A COMMUNITY-BASED CHILD PICK-UP SERVICE 审中-公开
公开(公告)号：WO2020006276A1
公开(公告)日：2020-01-02
申请号：PCT/US2019/039571
申请日：2019-06-27
申请人： TASK-KI, INC.
发明人： MATSUMOTO, Kanako
IPC分类号： G06Q99/00
摘要： A system, apparatus and methods for providing a community-based child pick- up service, as well as a products and/or services bartering capability are provided. A mobile computing device (such as a smartphone, tablet, or laptop), is configured with an installed mobile application for the community-based child pick-up service. The installed mobile application may include a messaging system/functionality to allow users to communicate among themselves and may also have the capability to calculate service points or rewards. The mobile application communicates with a server or platform over a network, typically a wired and/or wireless network. When a request for the child pick-up service is made by a user, the child pick-up service system (typically implemented as a server or platform communicating with the mobile application over a network) identifies a service provider (such as another parent whose child attends the same childcare facility) who is best suited to perform the requested service for the user. In some embodiments, this may be based on the user's preferences with regards to the person providing the service or some characteristic of the potential service providers.

5. 发明申请

WO2011097638A3 FRAUD REDUCTION SYSTEM FOR TRANSACTIONS 审中-公开
公开(公告)号：WO2011097638A3
公开(公告)日：2011-08-11
申请号：PCT/US2011/024092
申请日：2011-02-08
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , DOMINGUEZ, Benedicto, Hernandez
发明人： DOMINGUEZ, Benedicto, Hernandez
IPC分类号： G06Q20/00
摘要： A system, apparatus, and method for reducing fraud in payment or other transactions by providing issuers with a warning that a transaction being processed for authorization is potentially fraudulent. In some embodiments, the present invention processes data obtained from a consumer authentication process that is used in card not present (CNP) transactions to determine characteristics or indicia of fraud from previous transactions. The characteristics or indicia of fraud can be used to generate a set of fraud detection rules or another form of fraud assessment model. A proposed transaction can then be evaluated for potential fraud using the fraud assessment model.

6. 发明申请

WO2011035061A1 MULTI-MODAL AUDIO SYSTEM WITH AUTOMATIC USAGE MODE DETECTION AND CONFIGURATION COMPATIBILITY 审中-公开
标题翻译：具有自动使用模式检测和配置兼容性的多模式音频系统
公开(公告)号：WO2011035061A1
公开(公告)日：2011-03-24
申请号：PCT/US2010/049174
申请日：2010-09-16
申请人： ALIPHCOM , DONALDSON, Thomas, A. , ASSEILY, Alexander, A. , LIMPKIN, William, Zissou
发明人： DONALDSON, Thomas, A. , ASSEILY, Alexander, A. , LIMPKIN, William, Zissou
IPC分类号： H04R1/10
CPC分类号： H04R1/1091 , H04R1/1041 , H04R1/1083 , H04R5/033 , H04R2201/107 , H04R2410/07 , H04R2420/03 , H04R2420/07
摘要： An audio system that may be used in multiple modes or use scenarios, while providing a user with a desirable level of audio quality and comfort. The system may include multiple components, with the components capable of being used in different configurations depending upon the mode of use. The different configurations provide an optimized user audio experience for multiple modes of use without requiring a user to carry multiple devices or sacrifice the audio quality or features desired for a particular situation. The audio system includes a use mode detection element that enables the system to detect the mode of use, and in response, to be automatically configured for optimal performance for a specific use scenario. This may include the use of one or more audio processing elements that perform signal processing on the audio signals to implement a variety of desired functions (e.g., noise reduction, echo cancellation, etc.).
摘要翻译：可以在多种模式或使用场景中使用的音频系统，同时为用户提供期望的音频质量和舒适程度。系统可以包括多个组件，其中组件能够根据使用模式以不同的配置使用。不同的配置为多种使用模式提供优化的用户音频体验，而不需要用户携带多个设备或牺牲音频质量或特定情况所需的特征。该音频系统包括一个使用模式检测元件，使得系统能够检测使用模式，并且作为响应，被自动配置为用于特定使用场景的最佳性能。这可以包括使用对音频信号执行信号处理的一个或多个音频处理元件来实现各种所需功能（例如降噪，回声消除等）。

7. 发明申请

WO2011011410A3 AN APPARATUS INCLUDING DATA BEARING MEDIUM FOR SEASONING A DEVICE USING DATA OBTAINED FROM MULTIPLE TRANSACTION ENVIRONMENTS 审中-公开
公开(公告)号：WO2011011410A3
公开(公告)日：2011-01-27
申请号：PCT/US2010/042599
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
摘要： An apparatus includes a processor and a set of instructions stored in a memory, where when executed by the processor, the instructions implement a method or process of determining if a consumer device should be accepted as valid based on correlating a location of the device with a location of a different transaction involving the same account. This enables an authorization decision for a transaction to be made at an earlier stage of the overall authorization process, or with less data processing or computational resources than might otherwise be required.

8. 发明申请

WO2010056969A2 PAYMENT TRANSACTION PROCESSING USING OUT OF BAND AUTHENTICATION 审中-公开
标题翻译：带外认证支付交易处理
公开(公告)号：WO2010056969A2
公开(公告)日：2010-05-20
申请号：PCT/US2009/064352
申请日：2009-11-13
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , KANG, Denis
发明人： KANG, Denis
IPC分类号： G06Q20/00
CPC分类号： G06Q20/32 , G06Q20/12 , G06Q20/38215 , G06Q20/42 , G06Q20/425 , G06Q40/00
摘要： Systems, apparatuses, and methods for increasing the security of electronic payment transactions, such as eCommerce transactions conducted over the Internet. A transaction approval or authorization mechanism uses an out of band process to provide authentication or identification data that has previously been registered by a user and associated with the user's payment device or account. The out of band authentication data may be provided in response to a message sent to a user's mobile phone, where the message is generated in response to entering the user's phone number into a form that is provided when the user engages in an electronic payment transaction using a desktop computer. The data may include a digital signature and associated digital certificate that is used to authenticate the user.
摘要翻译：用于提高电子支付交易的安全性的系统，设备和方法，诸如通过因特网进行的电子商务交易。交易批准或授权机制使用带外处理来提供先前已由用户注册并且与用户的支付设备或账户相关联的认证或标识数据。可以响应于发送到用户的移动电话的消息来提供带外认证数据，其中响应于将用户的电话号码输入到当用户参与电子支付交易时提供的表单中而生成该消息一台台式电脑。这些数据可能包括数字签名和相关数字证书，用于验证用户身份。

9. 发明申请

WO2010033970A1 RECORDATION OF ELECTRONIC PAYMENT TRANSACTION INFORMATION 审中-公开
标题翻译：电子支付交易信息记录
公开(公告)号：WO2010033970A1
公开(公告)日：2010-03-25
申请号：PCT/US2009/057799
申请日：2009-09-22
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , AABYE, Christian , NGO, Hao , WILSON, David , MANGIAGALLI, Guido
发明人： AABYE, Christian , NGO, Hao , WILSON, David , MANGIAGALLI, Guido
IPC分类号： G06K5/00
CPC分类号： G06Q20/32 , G06Q20/10 , G06Q20/20 , G06Q20/202 , G06Q20/204 , G06Q20/322 , G06Q20/3224 , G06Q20/3278 , G06Q20/382 , G06Q20/3829 , G06Q20/40 , G06Q40/12
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. An account holder is enabled to generate transaction related data and append that data to a transaction record or transaction identifier. The appended data and transaction record or identifier may be stored in the mobile payment device and/or provided to an Issuer. If provided to an Issuer, the transaction related data generated by the account holder may be used to supplement an account statement. The additional information generated by the account holder may be used to assist the account holder in determining if a transaction is valid by providing information that helps the account holder to recall the location or other aspect of the transaction.
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。允许帐户持有人生成交易相关数据，并将该数据附加到交易记录或交易标识符。附加的数据和交易记录或标识符可以存储在移动支付设备中和/或提供给发行者。如果提供给发行人，则由账户持有人生成的交易相关数据可用于补充帐户对帐单。帐户持有人生成的附加信息可用于协助账户持有人确定交易是否有效，通过提供有助于账户持有人回收交易的位置或其他方面的信息。

10. 发明申请

WO2008027924A3 SYSTEM, APPARATUS AND METHOD FOR DISCOVERY OF MUSIC WITHIN A SOCIAL NETWORK 审中-公开
公开(公告)号：WO2008027924A3
公开(公告)日：2008-03-06
申请号：PCT/US2007/077037
申请日：2007-08-28
申请人： EVOLUTION ARTISTS, INC. , PARTOVI, Hadi , PARTOVI, Ali , BROWN, Nathaniel Scott , ZARAKHOVSKY, Yevgeny , OSHEROFF, Benjamin Botts , PARTOVI, Firooz
发明人： PARTOVI, Hadi , PARTOVI, Ali , BROWN, Nathaniel Scott , ZARAKHOVSKY, Yevgeny , OSHEROFF, Benjamin Botts , PARTOVI, Firooz
IPC分类号： G06F15/16
摘要： A system, apparatus, and method to assist in the discovery of music or other content by members of a social network. The present invention permits network members to network together and share information about their music collections and listening habits with a processing platform and with each other. The processing platform processes music library content and playback related data to produce similarity and compatibility measures between artists and between network members. By combining the content and playback related data with filtering mechanisms, recommendation, and set membership concepts, the present invention provides network members of the network with tools to discover artists and/or songs that are likely to be of interest to them.

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