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1. 发明申请

WO2011005617A3 MOBILE DEVICE INCLUDING AUTO INITIATION 审中-公开
标题翻译：移动设备，包括自动启动
公开(公告)号：WO2011005617A3
公开(公告)日：2011-04-14
申请号：PCT/US2010040350
申请日：2010-06-29
申请人： VISA INT SERVICE ASS , LINDELSEE MIKE , WONG ERICK , WENTKER DAVID , BRAND OLIVER , MIRIZZI JOSEPH J , VROOM DEREK ALAN
发明人： LINDELSEE MIKE , WONG ERICK , WENTKER DAVID , BRAND OLIVER , MIRIZZI JOSEPH J , VROOM DEREK ALAN
IPC分类号： G06Q30/00 , G06F9/44 , G06F9/445 , G06Q20/00 , H04W4/24
CPC分类号： G06Q20/32 , G06Q20/3223 , G06Q20/3278 , G06Q20/387 , G06Q30/0222 , G06Q30/0236 , G06Q30/06 , H04M15/00 , H04W4/24
摘要： Systems and methods for redeeming coupons are provided. The method includes receiving a coupon at a mobile payment device, determining whether a mobile payment application is active. If the mobile payment application is not active, the mobile payment device may automatically initiate the mobile payment application and conduct the transaction using the received coupon. The method further includes enrolling the mobile payment device in a coupon redemption program prior to using the coupon. The method also includes tracking a consumer's transaction information and sending one or more coupons based on the transaction information. The mobile payment device used for conducting the transaction includes a contactless element that can use the near field communications technology to conduct payment transactions.
摘要翻译：提供了兑换优惠券的系统和方法。该方法包括在移动支付设备处接收优惠券，确定移动支付应用是否是活动的。如果移动支付应用程序不活动，则移动支付设备可以自动发起移动支付应用并使用所接收的优惠券进行交易。该方法还包括在使用优惠券之前将移动支付设备注册在优惠券兑换程序中。该方法还包括跟踪消费者的交易信息并基于交易信息发送一个或多个优惠券。用于进行交易的移动支付装置包括可以使用近场通信技术进行支付交易的非接触元件。

2. 发明申请

WO2010017493A2 TRANSACTION SECURED IN AN UNTRUSTED ENVIRONMENT 审中-公开
标题翻译：非侵权环境中的交易
公开(公告)号：WO2010017493A2
公开(公告)日：2010-02-11
申请号：PCT/US2009/053177
申请日：2009-08-07
申请人： VISA U.S.A. INC. , WENTKER, David , WACHOB, Gabriel
发明人： WENTKER, David , WACHOB, Gabriel
IPC分类号： G06Q20/00 , G06Q30/00 , G06F21/20
CPC分类号： G06Q20/40
摘要： To secure communications in an untrusted environment for a commercial transaction on an account between the account's holder and a merchant, an identifier and a signature can be derived from a token. The identifier is associated by use of a directory with an application context that identifies the account's issuer. The merchant will provide the signature to the account's issuer, or agent thereof, to be verified. In practice, a merchant to the identified issuer of an account an authorization request message for a transaction that includes a signature and an identifier for the account upon which the transaction is to be conducted. The account's issuer responds with an authorization response message that includes an indicator that the signature has been verified. After notice of the signature's verification, the transaction on the account is deemed authorized and the merchant can proceed.
摘要翻译：为了在帐户的持有人和商家之间的帐户上的商业交易的不受信任的环境中保护通信，可以从令牌导出标识符和签名。该标识符通过使用具有标识该帐户的发行者的应用程序上下文的目录相关联。商户将向该账户的发行人或其代理人提供签名，以进行验证。在实践中，商户向帐户的识别发行者发送包括签名的交易的授权请求消息和要进行交易的帐户的标识符。帐户的颁发者用授权响应消息进行响应，该消息包括签名已被验证的指示符。签收验证通知后，该帐户的交易被视为已被授权，商家可以继续进行。

3. 发明申请

WO2008131021A1 METHOD AND SYSTEM FOR AUTHENTICATING A PARTY TO A TRANSACTION 审中-公开
标题翻译：用于认证交易方的方法和系统
公开(公告)号：WO2008131021A1
公开(公告)日：2008-10-30
申请号：PCT/US2008/060508
申请日：2008-04-16
申请人： VISA U.S.A. INC. , WENTKER, David , LINDELSEE, Michael , BRAND, Olivier , DIMMICK, James , GREWAL, Tribhuwan A. Singh
发明人： WENTKER, David , LINDELSEE, Michael , BRAND, Olivier , DIMMICK, James , GREWAL, Tribhuwan A. Singh
IPC分类号： G06F7/04
CPC分类号： H04L63/083 , G06F21/33 , G06F2221/2103 , G06F2221/2115 , G06Q20/385 , G06Q20/40 , G06Q30/06 , H04L63/0421 , H04L63/0428 , H04L63/08 , H04L63/0884
摘要： One embodiment of the invention is directed to a method including receiving an alias identifier associated with an account associated with a presenter, determining an associated trusted party using the alias identifier, sending a verification request message to the trusted party after determining the associated trusted party, and receiving a verification response message.
摘要翻译：本发明的一个实施例涉及一种方法，包括接收与与演示者相关联的帐户相关联的别名标识符，使用别名标识符确定相关联的可信方，在确定相关联的可信方之后向可信方发送验证请求消息，并接收验证响应消息。

4. 发明申请

WO2011005617A2 MOBILE DEVICE INCLUDING AUTO INITIATION 审中-公开
标题翻译：移动设备包括自动启动
公开(公告)号：WO2011005617A2
公开(公告)日：2011-01-13
申请号：PCT/US2010/040350
申请日：2010-06-29
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , LINDELSEE, Mike , WONG, Erick , WENTKER, David , BRAND, Oliver , MIRIZZI, Joseph J. , VROOM, Derek Alan
发明人： LINDELSEE, Mike , WONG, Erick , WENTKER, David , BRAND, Oliver , MIRIZZI, Joseph J. , VROOM, Derek Alan
IPC分类号： G06Q30/00 , G06Q20/00 , G06F9/445 , G06F9/44 , H04W4/24
CPC分类号： G06Q20/32 , G06Q20/3223 , G06Q20/3278 , G06Q20/387 , G06Q30/0222 , G06Q30/0236 , G06Q30/06 , H04M15/00 , H04W4/24
摘要： Systems and methods for redeeming coupons are provided. The method includes receiving a coupon at a mobile payment device, determining whether a mobile payment application is active. If the mobile payment application is not active, the mobile payment device may automatically initiate the mobile payment application and conduct the transaction using the received coupon. The method further includes enrolling the mobile payment device in a coupon redemption program prior to using the coupon. The method also includes tracking a consumer's transaction information and sending one or more coupons based on the transaction information. The mobile payment device used for conducting the transaction includes a contactless element that can use the near field communications technology to conduct payment transactions.
摘要翻译：提供了兑换优惠券的系统和方法。该方法包括在移动支付设备处接收优惠券，确定移动支付应用程序是否活动。如果移动支付应用程序未激活，则移动支付装置可自动启动移动支付应用程序并使用所接收的优惠券进行交易。该方法还包括在使用优惠券之前在优惠券兑换程序中注册移动支付设备。该方法还包括跟踪消费者的交易信息并基于交易信息发送一个或多个优惠券。用于进行交易的移动支付设备包括可使用近场通信技术进行支付交易的非接触式元件。

5. 发明申请

WO2010017493A3 TRANSACTION SECURED IN AN UNTRUSTED ENVIRONMENT 审中-公开
标题翻译：交易在不受控制的环境中得到保护
公开(公告)号：WO2010017493A3
公开(公告)日：2010-05-20
申请号：PCT/US2009053177
申请日：2009-08-07
申请人： VISA USA INC , WENTKER DAVID , WACHOB GABRIEL
发明人： WENTKER DAVID , WACHOB GABRIEL
IPC分类号： G06Q20/00 , G06F21/20 , G06Q30/00
CPC分类号： G06Q20/40
摘要： To secure communications in an untrusted environment for a commercial transaction on an account between the account's holder and a merchant, an identifier and a signature can be derived from a token. The identifier is associated by use of a directory with an application context that identifies the account's issuer. The merchant will provide the signature to the account's issuer, or agent thereof, to be verified. In practice, a merchant to the identified issuer of an account an authorization request message for a transaction that includes a signature and an identifier for the account upon which the transaction is to be conducted. The account's issuer responds with an authorization response message that includes an indicator that the signature has been verified. After notice of the signature's verification, the transaction on the account is deemed authorized and the merchant can proceed.
摘要翻译：为了确保账户持有者与商户之间在账户上的商业交易在不可信环境中的通信，可以从令牌导出标识符和签名。该标识符通过使用具有标识账户的发行者的应用上下文的目录来关联。商户将向账户的发行人或其代理人提供签名以进行核实。在实践中，商家向标识的账户发行者提供用于交易的授权请求消息，该消息包括用于进行交易的账户的签名和标识符。账户的发卡机构以包含签名已被验证的指示符的授权响应消息作为响应。在签字确认通知后，账户上的交易被视为授权，商家可以继续。

6. 发明申请

WO0025278A9 DELEGATED MANAGEMENT OF SMART CARD APPLICATIONS 审中-公开
标题翻译：代理智能卡应用程序的管理
公开(公告)号：WO0025278A9
公开(公告)日：2000-09-28
申请号：PCT/US9925103
申请日：1999-10-26
申请人： VISA INT SERVICE ASS , WENTKER DAVID C , GUNGL KLAUS P
发明人： WENTKER DAVID C , GUNGL KLAUS P
IPC分类号： G07F7/10
CPC分类号： G07F7/1008 , G06F8/60 , G06Q20/341 , G06Q20/3552 , G06Q20/3576
摘要： A smart card architecture (10) includes a run-time environment (102), a card manager (104), one or more security domains (106, 108), a provider application (114) and an issuer application (112). One or more APIs (110, 122) provide communication. The life cycle (200) of the card and card manager includes states: Pre-production, Ready, Initialized, Secured, Locked and Terminated. The life cycle (220) of an application includes states: Installed, Selectable, Personalized, Blocked, Locked and Deleted. A card registry (250) keeps track of card manager and application data elements. The functionality of a security domain on a smart card is extended to allow it to perform delegated management of smart card applications: delegated loading, installation (figures 7A-7D) and/or deletion of an application. A provider of an application is assured of more direct control and management of their application, yet an issuer still maintains some control over the management of the card. The card issuer empowers application providers to initiate changes to the issuer's smart cards that are pre-approved by the card issuer. A method of delegated loading of an application onto a smart card (604) first receives a load command (500) from an application provider via a card acceptance device. The load command includes an indication of an application to be loaded (516) an an appended command authentication pattern (514). Next, the load command is verified using the command authentication pattern. Then, an application (564) is received from an application provider via the card acceptance device; the application also includes an appended application authentication pattern (562) which is used to verify the application. Finally, the application is loaded into memory of the smart card (604).
摘要翻译：智能卡架构（10）包括运行时环境（102），卡管理器（104），一个或多个安全域（106,108），提供者应用（114）和发行者应用（112）。一个或多个API（110,122）提供通信。卡和卡管理器的生命周期（200）包括以下状态：预生产，就绪，初始化，安全，锁定和终止。应用程序的生命周期（220）包括以下状态：已安装，可选，个性化，已阻止，已锁定和已删除。卡注册表（250）跟踪卡管理器和应用程序数据元素。智能卡上安全域的功能已扩展到允许它执行智能卡应用程序的委托管理：授权加载，安装（图7A-7D）和/或删除应用程序。应用程序提供商可确保对其应用程序进行更直接的控制和管理，但发行人仍对卡的管理保持一定的控制权。发卡机构授权应用提供商发起对发卡机构的智能卡进行更改，发卡机构已预先通过发卡机构的批准。将应用委托加载到智能卡（604）上的方法首先通过卡接受设备从应用提供商接收加载命令（500）。加载命令包括将被加载（516）附加命令认证模式（514）的应用的指示。接下来，使用命令认证模式验证加载命令。然后，经由卡接受装置从应用程序提供商接收应用程序（564）该应用程序还包括用于验证应用程序的附加应用程序认证模式（562）。最后，该应用程序被加载到智能卡的存储器中（604）。

7. 发明申请

WO2008086421A1 MOBILE PHONE PAYMENT WITH DISABLING FEATURE 审中-公开
标题翻译：移动电话支付与停用功能
公开(公告)号：WO2008086421A1
公开(公告)日：2008-07-17
申请号：PCT/US2008/050638
申请日：2008-01-09
申请人： VISA U.S.A. INC. , VISA INTERNATIONAL SERVICE ASSOCIATION , DEIBERT, Doug , WONG, Erick , SHENKER, Gavin , WENTKER, David
发明人： DEIBERT, Doug , WONG, Erick , SHENKER, Gavin , WENTKER, David
IPC分类号： G06Q40/00 , G06Q20/00
CPC分类号： G06Q20/3278 , G06Q20/10 , G06Q20/20 , G06Q20/202 , G06Q20/204 , G06Q20/32 , G06Q20/322 , G06Q20/3221 , G06Q30/0224 , G06Q40/00 , H04L12/66 , H04W4/80 , H04W88/02
摘要： A method and system for payments for mobile phone payments with a disabling feature is disclosed. The method includes activating a mobile phone containing contact less payment systems, and having a timeout feature disable the contact less payment systems after a set period of time.
摘要翻译：公开了一种具有禁用功能的手机付款支付方法和系统。该方法包括激活包含联系人较少支付系统的移动电话，并且具有超时功能在设定的时间段之后禁用联系人较少的支付系统。

8. 发明申请

WO2006079001A3 DATA EXCHANGES RELATED TO FINANCIAL TRANSACTIONS OVER A PUBLIC NETWORK 审中-公开
标题翻译：与公共网络的财务交易相关的数据交换
公开(公告)号：WO2006079001A3
公开(公告)日：2007-10-25
申请号：PCT/US2006002214
申请日：2006-01-20
申请人： VISA INT SERVICE ASS , WENTKER DAVID , WACHOB GABRIEL , LINDELSEE MIKE
发明人： WENTKER DAVID , WACHOB GABRIEL , LINDELSEE MIKE
IPC分类号： H04L9/00
CPC分类号： H04L63/10 , G06Q20/382 , G06Q40/02 , H04L9/3247 , H04L9/3263 , H04L9/3273 , H04L63/12 , H04L2209/56 , H04L2463/102
摘要： Methods and systems for exchanging data related to financial transactions utilizing a public network are disclosed. One or more participant computer systems are in communication with the public network. Each participant computer system includes at least one application for performing functions related to a financial transaction, and a gateway providing an interface for sending and receiving data between participant computer systems. At least one directory is used to identify a path for transmitting data between participant computer systems. Upon receiving a message from an application, the gateway accesses the directory to determine a destination address. The gateway then uses the address to open a channel through the public network to send the message to another participant computer system.
摘要翻译：公开了利用公共网络交换与金融交易有关的数据的方法和系统。一个或多个参与者计算机系统与公共网络通信。每个参与者计算机系统包括用于执行与金融交易相关的功能的至少一个应用程序，以及提供用于在参与者计算机系统之间发送和接收数据的接口的网关。使用至少一个目录来标识在参与者计算机系统之间传输数据的路径。在从应用程序接收到消息时，网关访问该目录以确定目的地址。然后，网关使用地址通过公共网络打开信道，以将消息发送到另一个参与者计算机系统。

9. 发明申请

WO2006079001A2 METHOD AND SYSTEM FOR PERFORMING DATA EXCHANGES RELATED TO FINANCIAL TRANSACTIONS OVER A PUBLIC NETWORK 审中-公开
标题翻译：公共网络上与财务交易相关的数据交换的方法和系统
公开(公告)号：WO2006079001A2
公开(公告)日：2006-07-27
申请号：PCT/US2006/002214
申请日：2006-01-20
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , WENTKER, David , WACHOB, Gabriel , LINDELSEE, Mike
发明人： WENTKER, David , WACHOB, Gabriel , LINDELSEE, Mike
IPC分类号： H04L9/00
CPC分类号： H04L63/10 , G06Q20/382 , G06Q40/02 , H04L9/3247 , H04L9/3263 , H04L9/3273 , H04L63/12 , H04L2209/56 , H04L2463/102
摘要： Methods and systems for exchanging data related to financial transactions utilizing a public network are disclosed. One or more participant computer systems are in communication with the public network. Each participant computer system includes at least one application for performing functions related to a financial transaction, and a gateway providing an interface for sending and receiving data between participant computer systems. At least one directory is used to identify a path for transmitting data between participant computer systems. Upon receiving a message from an application, the gateway accesses the directory to determine a destination address. The gateway then uses the address to open a channel through the public network to send the message to another participant computer system.
摘要翻译：公开了利用公共网络交换与金融交易有关的数据的方法和系统。一个或多个参与者计算机系统与公共网络通信。每个参与者计算机系统包括用于执行与金融交易相关的功能的至少一个应用程序，以及提供用于在参与者计算机系统之间发送和接收数据的接口的网关。使用至少一个目录来标识在参与者计算机系统之间传输数据的路径。在从应用程序接收到消息时，网关访问目录以确定目的地址。然后，网关使用地址通过公共网络打开信道，以将消息发送到另一个参与者计算机系统。

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