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1. 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。

2. 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。

3. 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。

4. 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。

5. 发明申请

WO2010129245A2 SKU LEVEL CONTROL AND ALERTS 审中-公开
标题翻译： SKU级控制和警报
公开(公告)号：WO2010129245A2
公开(公告)日：2010-11-11
申请号：PCT/US2010032495
申请日：2010-04-27
申请人： VISA INT SERVICE ASS , 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
CPC分类号： G06Q20/425 , G06Q20/10 , G06Q20/32 , G06Q20/3221 , G06Q20/3223 , G06Q20/42
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：本发明的实施例涉及一种用于确定与支付帐户的辅助用户进行的交易相关的产品的系统和方法，以及发送包含产品特定信息的消息。可以实现系统以在支付处理期间传送商品标识符。产品特定信息可能包含在发送到帐户持有人的警报消息中。

6. 发明申请

WO2010129300A3 FRAUD AND REPUTATION PROTECTION USING ADVANCED AUTHORIZATION AND RULES ENGINE 审中-公开
标题翻译：使用高级授权和规则发动机的防范和声明保护
公开(公告)号：WO2010129300A3
公开(公告)日：2011-01-20
申请号：PCT/US2010032611
申请日：2010-04-27
申请人： VISA INT SERVICE ASS , CARLSON MARK , STAN PATRICK , FAITH PATRICK L , HAMMAD AYMAN , REWIS BEN
发明人： CARLSON MARK , STAN PATRICK , FAITH PATRICK L , HAMMAD AYMAN , REWIS BEN
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 and methods are presented for analyzing a credit card or other financial transaction and, based on whether a score for the transaction meets or exceeds a user-selected threshold, sending a transaction notification message to a consumers electronic device such as a cell phone.
摘要翻译：呈现用于分析信用卡或其他金融交易的系统和方法，并且基于交易的分数是否满足或超过用户选择的阈值，向诸如手机的消费者电子设备发送交易通知消息。

7. 发明申请

WO2010129246A3 MERCHANT COMPETITION ALERT 审中-公开
标题翻译：商业竞争报告
公开(公告)号：WO2010129246A3
公开(公告)日：2011-02-17
申请号：PCT/US2010032496
申请日：2010-04-27
申请人： VISA INT SERVICE ASS , 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： G06Q30/00
CPC分类号： G06Q20/3221 , G06Q20/32 , G06Q30/0251 , G06Q30/0267
摘要： Embodiments of the present invention are directed to a system and method for determining the products involved in a transaction, and transmitting messages containing product specific data. Systems may be implemented to product identifiers during payment processing. The messages may be sent including product identifiers, and further information regarding the products associated with the product identifiers.
摘要翻译：本发明的实施例涉及用于确定交易中涉及的产品的系统和方法，以及发送包含产品特定数据的消息。系统可以在支付处理期间实现到产品标识符。可以发送消息，包括产品标识符，以及关于与产品标识符相关联的产品的进一步信息。

8. 发明申请

WO2010129333A2 MERCHANT ALERT BASED SYSTEM AND METHOD INCLUDING CUSTOMER PRESENCE NOTIFICATION 审中-公开
标题翻译：基于商业警报的系统和包括客户存在通知的方法
公开(公告)号：WO2010129333A2
公开(公告)日：2010-11-11
申请号：PCT/US2010032756
申请日：2010-04-28
申请人： VISA INT SERVICE ASS , 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： G06Q30/00 , G06Q50/00
CPC分类号： G06Q20/206 , G06Q30/02 , G06Q30/0201 , G06Q30/0269 , G06Q50/182 , G06Q50/265 , H04L67/22
摘要： Embodiments of the present invention disclosed herein include systems and methods for sending merchant alert messages. The merchant can specify criteria indicating the types of customers for which he desires to receive alerts. Merchant alert messages can be sent based on characteristics of a customer, including the customer's proximity to the merchant. The merchant can use the alert message to provide better service to the customer or prevent the customer from engaging in transactions, depending on the contents of the merchant alert message.
摘要翻译：本文公开的本发明的实施例包括用于发送商家警报消息的系统和方法。商家可以指定指示他希望接收警报的客户类型的标准。可以根据客户的特征（包括客户与商家的邻近度）发送商家警报消息。商家可以根据商家警报消息的内容，使用警报消息为客户提供更好的服务或阻止客户从事交易。

9. 发明申请

WO2011057007A3 VERIFICATION OF PORTABLE CONSUMER DEVICES FOR 3-D SECURE SERVICES 审中-公开
标题翻译：验证便携式消费设备的三维安全服务
公开(公告)号：WO2011057007A3
公开(公告)日：2011-07-28
申请号：PCT/US2010055500
申请日：2010-11-04
申请人： VISA INT SERVICE ASS , HAMMAD AYMAN , FAITH PATRICK , KOGANTI KRISHNA PRASAD , REWIS BEN , LOUIS BRENDAN XAVIER , WELLER KEVIN , DOMINGUEZ BENEDICTO HERNANDEZ
发明人： HAMMAD AYMAN , FAITH PATRICK , KOGANTI KRISHNA PRASAD , REWIS BEN , LOUIS BRENDAN XAVIER , WELLER KEVIN , DOMINGUEZ BENEDICTO HERNANDEZ
IPC分类号： G06F21/20 , G06Q20/00
CPC分类号： G06Q20/409 , G06F21/34 , G06F2221/2107 , G06F2221/2129 , G06Q20/12 , G06Q20/352 , G06Q20/385 , G06Q20/40 , G06Q20/4014 , G06Q20/42 , G06Q20/425 , G06Q30/0613 , G06Q30/0641 , H04L9/3234 , H04L63/0853 , H04L63/126 , H04L2209/56
摘要： Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a 3-D Secure datum to the verification token. The verification token may enter the 3-D Secure datum into a hidden field of a Purchase Authentication Page appearing on the computer's display.
摘要翻译：公开了与用于3-D安全系统的便携式消费设备的验证有关的设备，方法和系统。在一个实现中，验证令牌通过USB连接被耦合到计算机，以便使用计算机的网络设施。验证令牌从用户的便携式消费者设备（例如，信用卡）读取标识信息，并使用计算机的联网设施通过通信网络将该信息发送到验证条目。验证实体将一个或多个验证测试应用于从验证令牌接收的信息。如果选定数量的测试通过，则验证实体将3-D安全数据发送到验证令牌。验证令牌可以将3-D安全数据输入到出现在计算机显示屏上的购买验证页面的隐藏字段中。

10. 发明申请

WO2011031450A3 ONLINE WARRANTY HISTORY STORAGE ACCESS 审中-公开
标题翻译：在线担保历史存储访问
公开(公告)号：WO2011031450A3
公开(公告)日：2011-05-26
申请号：PCT/US2010046467
申请日：2010-08-24
申请人： VISA USA INC , CARLSON MARK , STAN PAT , FAITH PATRICK L , HAMMAD AYMAN A , REWIS BEN
发明人： CARLSON MARK , STAN PAT , FAITH PATRICK L , HAMMAD AYMAN A , REWIS BEN
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q10/00 , G06Q20/40 , G06Q30/012 , G06Q30/06
摘要： A message confirming a transaction for the purchase of an item can include identifiers for the item and for a consumer as well as information pertaining to the transaction. The item identifier is used to locate an express warranty for the item. The consumer identifier (e.g.; a number of an account issued to the consumer) is used to locate the consumer's file in which the express warranty is stored along with at least a portion of the information pertaining to the transaction. Other data received in respective messages can be also be stored in the consumer's file. Thereafter, the consumer identifier can be use to retrieve all express warranties stored in the file for past respective purchased items. Information about each express warranty can be compared to the stored portion of the information pertaining to the transaction so as to retrieve only those express warranties that are valid (e.g.; unexpired).
摘要翻译：确认购买物品的交易的消息可以包括物品和消费者的标识符以及与交易有关的信息。物品标识符用于查找物品的明确保修。消费者标识符（例如，发给消费者的帐户号码）用于定位其中存储明示保证的消费者文件以及与交易有关的至少一部分信息。在各个消息中接收到的其他数据也可以存储在消费者的文件中。此后，消费者标识符可以用于检索存储在文件中用于过去各个购买物品的所有明示保证。关于每个明示保证的信息可以与存储的与交易有关的信息部分进行比较，以便仅检索那些有效的明示保证（例如未过期）。

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