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1. 发明申请

WO2013055827A1 SYSTEMS AND METHODS TO PROVIDE DISCOUNT AT POINT OF SALES TERMINALS 审中-公开
标题翻译：系统和方法提供销售点终点的折扣
公开(公告)号：WO2013055827A1
公开(公告)日：2013-04-18
申请号：PCT/US2012/059607
申请日：2012-10-10
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAGEY, Ryan , REID, Margaret , OVICK, Joseph , CARLSON, Mark , STAN, Patrick , WRIGHT, Patrick , KOGANTI, Kris , POWELL, Glenn
发明人： HAGEY, Ryan , REID, Margaret , OVICK, Joseph , CARLSON, Mark , STAN, Patrick , WRIGHT, Patrick , KOGANTI, Kris , POWELL, Glenn
IPC分类号： G06Q20/40 , G06Q20/20 , G06Q30/02
CPC分类号： G06Q30/02
摘要： A system and method includes a transaction handler configured to modify the transaction amount, in the authorization request or the authorization response of a transaction, in accordance with an offer that is applicable to the transaction to apply the benefit of the offer to the transaction.
摘要翻译：一种系统和方法包括：交易处理器，被配置为根据适用于交易的要约来应用交易的利益来修改交易量，交易的授权请求或授权响应。

2. 发明申请

WO2011066387A3 ACCESS TO A SECURED AREA USING A MOBILE DEVICE WITH AN ACCELEROMETER 审中-公开
标题翻译：使用带有加速度计的移动设备访问安全区域
公开(公告)号：WO2011066387A3
公开(公告)日：2011-11-24
申请号：PCT/US2010058005
申请日：2010-11-24
申请人： VISA INT SERVICE ASS , 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 , G06Q20/00
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 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：本发明的实施例涉及使用具有加速度计的移动装置来获得进入安全或限制区域的系统，装置和方法。第一设备和第二设备通过彼此进行物理接触进行交互，从而生成代表第一和第二设备之间的物理交互的交互数据。第一和第二装置可以是移动电话。第二设备可以是销售点终端，接入点设备或位于线路，门，门或入口处的任何其它固定（即固定位置）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。通信可以涉及在潜在进入者（操作第一设备）和网守（操作第二设备）之间的信息交换（例如证书）的访问事务，以验证潜在进入者是否被允许或不允许访问被守门员固定或限制的特定区域。其他实施例直接用于确认交易。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组合。

3. 发明申请

WO2011066395A2 INTERACTION TERMINAL 审中-公开
标题翻译：交互终端
公开(公告)号：WO2011066395A2
公开(公告)日：2011-06-03
申请号：PCT/US2010/058014
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 , G06Q40/00 , G01P15/00 , H04W4/02
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 conduct a financial transaction by making contact with an interaction terminal, thereby generating interaction data that is representative of the physical contact between the mobile device and the interaction terminal. The mobile device may be a mobile phone. The interaction terminal 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 mobile device with an accelerometer physically contacts the interaction terminal. The interaction terminal flexes, recoils, or moves and generates interaction data (e.g., accelerometer, location, time data, etc.) representative of the physical interaction between the mobile device and the interaction terminal. A server computer determines, based on interaction data, that the mobile device and the interaction terminal made physical contact. After determining that the mobile device and the interaction terminal made contact, communication may be initiated between the devices. Communications may relate to processing a payment 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通过与交互终端进行接触来进行金融交易，从而生成交互数据的系统，装置和方法，所述交互数据代表移动设备与交互终端之间的物理接触。移动设备可以是移动电话。交互终端可以是销售点终端，接入点设备或位于线路，门，入口或入口处的任何其他固定（即位于固定位置）设备。具有加速度计的移动设备物理接触交互终端。交互终端弯曲，反冲或移动并生成表示移动设备与交互终端之间的物理交互的交互数据（例如，加速计，位置，时间数据等）。服务器计算机基于交互数据确定移动设备和交互终端进行了物理接触。在确定移动设备和交互终端联系之后，可以在设备之间发起通信。通信可能涉及使用支付处理网络处理支付交易。

4. 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.

5. 发明申请

WO2011066397A2 INFORMATION ACCESS DEVICE AND DATA TRANSFER 审中-公开
标题翻译：信息访问设备和数据传输
公开(公告)号：WO2011066397A2
公开(公告)日：2011-06-03
申请号：PCT/US2010/058016
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： G06Q30/00 , H04W88/02
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 first device with an accelerometer to transfer data by making contact with a second device with an accelerometer, thereby generating interaction data that is representative of the physical contact between the mobile device and the second device. The first device may be a mobile phone. The second device may be a mobile phone or a stationary kiosk or terminal. A first device with an accelerometer physically contacts the second device. Each of the first and second devices generate interaction data (e.g., accelerometer, location, time data, etc.) representative of the physical interaction between the first and second device. A server computer determines, based on interaction data, that the first device and the second device physically contact each other. After determining that the mobile device and the second device made contact, communications may be initiated between the devices. Communications may include customer-provided information (e.g., shopping lists) and merchant-provided information (e.g., items in stock or on sale from the consumer's shopping list). In some embodiments, at least two independent interactions between three devices transfer data from a first computing device to a second computing device, after each of the first and second computing devices independently interacts with a mobile device.
摘要翻译：本发明的实施例涉及用于使用具有加速度计的第一设备通过与加速度计接触第二设备来传送数据的系统，设备和方法，从而生成表示移动设备之间的物理接触的交互数据和第二设备。第一设备可以是移动电话。第二设备可以是移动电话或固定式售货亭或终端。具有加速度计的第一设备物理地接触第二设备。第一和第二设备中的每一个产生表示第一和第二设备之间的物理交互的交互数据（例如，加速度计，位置，时间数据等）。服务器计算机基于交互数据确定第一设备和第二设备物理上彼此接触。在确定移动设备和第二设备联系之后，可以在设备之间发起通信。通信可以包括客户提供的信息（例如，购物清单）和商家提供的信息（例如，来自消费者购物清单的库存或销售的商品）。在一些实施例中，在第一和第二计算设备中的每一个独立地与移动设备交互之后，三个设备之间的至少两个独立交互将数据从第一计算设备传送到第二计算设备。

6. 发明申请

WO2010135154A2 DEVICE INCLUDING ENCRYPTED DATA FOR EXPIRATION DATE AND VERIFICATION VALUE CREATION 审中-公开
标题翻译：包括加密日期和加密数据创建的设备
公开(公告)号：WO2010135154A2
公开(公告)日：2010-11-25
申请号：PCT/US2010034763
申请日：2010-05-13
申请人： VISA INT SERVICE ASS , FAITH PATRICK , KOGANTI KRIS
发明人： FAITH PATRICK , KOGANTI KRIS
IPC分类号： G06Q20/00 , G06F21/00
CPC分类号： G06Q20/10 , G06Q20/3821 , G06Q20/383 , G06Q20/385 , G06Q40/02 , H04L9/32 , H04L2209/56 , H04L2209/805
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.
摘要翻译：为了使得难以获得可用于进行欺诈交易的数字，实际帐号的一部分被加密。帐号的加密部分用于生成新帐号，新的到期日期和新的验证值。可以使用可能位于销售点终端，智能卡或用户操作的计算机的处理器来确定该信息。新的帐号，新的到期日期和新的验证值可以用于支付交易。中央支付处理网络中的服务器计算机可以确定新帐户信息不是真实账户信息，并且随后可以使用真实账户信息生成修改的授权请求消息，并且可以将其发送给发行商以供批准。数据的传输更加安全，因为实际的帐户信息没有从商家发送到支付处理网络。

7. 发明申请

WO2011066397A3 INFORMATION ACCESS DEVICE AND DATA TRANSFER 审中-公开
标题翻译：信息访问设备和数据传输
公开(公告)号：WO2011066397A3
公开(公告)日：2011-09-22
申请号：PCT/US2010058016
申请日：2010-11-24
申请人： VISA INT SERVICE ASS , 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 , H04W88/02
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 first device with an accelerometer to transfer data by making contact with a second device with an accelerometer, thereby generating interaction data that is representative of the physical contact between the mobile device and the second device. The first device may be a mobile phone. The second device may be a mobile phone or a stationary kiosk or terminal. A first device with an accelerometer physically contacts the second device. Each of the first and second devices generate interaction data (e.g., accelerometer, location, time data, etc.) representative of the physical interaction between the first and second device. A server computer determines, based on interaction data, that the first device and the second device physically contact each other. After determining that the mobile device and the second device made contact, communications may be initiated between the devices. Communications may include customer-provided information (e.g., shopping lists) and merchant-provided information (e.g., items in stock or on sale from the consumer's shopping list). In some embodiments, at least two independent interactions between three devices transfer data from a first computing device to a second computing device, after each of the first and second computing devices independently interacts with a mobile device.
摘要翻译：本发明的实施例针对用于使用具有加速度计的第一设备通过与加速度计与第二设备进行接触来传送数据从而生成代表移动设备之间的物理接触的交互数据的系统，装置和方法和第二个设备。第一个设备可能是手机。第二设备可以是移动电话或固定亭或终端。具有加速度计的第一设备物理接触第二设备。第一和第二设备中的每一个生成表示第一和第二设备之间的物理交互的交互数据（例如，加速度计，位置，时间数据等）。服务器计算机基于交互数据确定第一设备和第二设备彼此物理接触。在确定移动设备和第二设备联系之后，可以在设备之间发起通信。通信可以包括顾客提供的信息（例如，购物清单）和商家提供的信息（例如，从消费者的购物清单中库存或销售的物品）。在一些实施例中，在第一和第二计算设备中的每一个独立地与移动设备交互之后，三个设备之间的至少两个独立的交互将数据从第一计算设备传输到第二计算设备。

8. 发明申请

WO2011066381A3 TRANSACTION USING A MOBILE DEVICE WITH AN ACCELEROMETER 审中-公开
标题翻译：使用带加速度计的移动设备进行交易
公开(公告)号：WO2011066381A3
公开(公告)日：2011-09-22
申请号：PCT/US2010057997
申请日：2010-11-24
申请人： VISA INT SERVICE ASS , 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： G01P15/00 , G06Q20/00
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计来测量第一设备的第一加速度数据。其他交互数据，包括由第一设备生成的时间数据和地理位置数据也可以被记录。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生成的第二加速度数据进行比较。如果第一和第二加速计数据基本相等，则可以确定设备已经互相作用并且可以启动通信。通信开始后，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的认证过程的一部分。本发明的其他实施例使用加速度计来生成移动安全数据以使金融交易更安全。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。

9. 发明申请

WO2011066395A3 INTERACTION TERMINAL 审中-公开
标题翻译：交互式终端
公开(公告)号：WO2011066395A3
公开(公告)日：2011-09-15
申请号：PCT/US2010058014
申请日：2010-11-24
申请人： VISA INT SERVICE ASS , 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： G01P15/00 , G06Q20/00 , H04W4/02
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 conduct a financial transaction by making contact with an interaction terminal, thereby generating interaction data that is representative of the physical contact between the mobile device and the interaction terminal. The mobile device may be a mobile phone. The interaction terminal 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 mobile device with an accelerometer physically contacts the interaction terminal. The interaction terminal flexes, recoils, or moves and generates interaction data (e.g., accelerometer, location, time data, etc.) representative of the physical interaction between the mobile device and the interaction terminal. A server computer determines, based on interaction data, that the mobile device and the interaction terminal made physical contact. After determining that the mobile device and the interaction terminal made contact, communication may be initiated between the devices. Communications may relate to processing a payment transaction using a payment processing network.
摘要翻译：本发明的实施例涉及用于使用具有加速度计的移动设备通过与交互终端进行联系来进行金融交易的系统，装置和方法，从而生成表示移动设备与移动设备之间的物理接触的交互数据交互终端。移动设备可以是移动电话。交互终端可以是销售点终端，接入点设备或位于线路，门，门或入口处的任何其它固定（即固定位置）设备。具有加速度计的移动设备物理地接触交互终端。交互终端弯曲，反冲或移动并生成表示移动设备和交互终端之间的物理交互的交互数据（例如，加速度计，位置，时间数据等）。服务器计算机基于交互数据来确定移动设备和交互终端进行物理接触。在确定移动设备和交互终端进行联系之后，可以在设备之间发起通信。通信可以涉及使用支付处理网络处理支付交易。

10. 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。

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