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1. 发明申请

WO2012116125A1 UNIVERSAL ELECTRONIC PAYMENT APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译：通用电子付款设备，方法和系统
公开(公告)号：WO2012116125A1
公开(公告)日：2012-08-30
申请号：PCT/US2012/026205
申请日：2012-02-22
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , KATZIN, Edward , HUA, Julian , STOREY, Gregory Kenneth , MORI, Michael , SHRIVASTAVA, Abhinav , BHARGAVA, Amit , BECK, Andrew , HAMMAD, Ayman , PFISTERER, Ben , SALMON, Diane , KARPENKO, Igor , SCHULZ, Jennifer , GAVRILOV, Miroslav , CIUREA, Peter , FAITH, Patrick , KUMNICK, Phillip , CHATTERJEE, Saurav , BADEA, Sebastian , LI, Shaw , JHA, Shipra , POURFALLAH, Stacy , FRENCH, Susan , THEURER, Tenni , HARRIS, Theodore , PURVES, Thomas , PANDEY, Vanita , GRAHAM, Victoria , HARIRAMANI, Prakash
发明人： KATZIN, Edward , HUA, Julian , STOREY, Gregory Kenneth , MORI, Michael , SHRIVASTAVA, Abhinav , BHARGAVA, Amit , BECK, Andrew , HAMMAD, Ayman , PFISTERER, Ben , SALMON, Diane , KARPENKO, Igor , SCHULZ, Jennifer , GAVRILOV, Miroslav , CIUREA, Peter , FAITH, Patrick , KUMNICK, Phillip , CHATTERJEE, Saurav , BADEA, Sebastian , LI, Shaw , JHA, Shipra , POURFALLAH, Stacy , FRENCH, Susan , THEURER, Tenni , HARRIS, Theodore , PURVES, Thomas , PANDEY, Vanita , GRAHAM, Victoria , HARIRAMANI, Prakash
IPC分类号： G06Q30/00
CPC分类号： G06Q20/36 , G06Q20/204 , G06Q20/322 , G06Q20/367 , G06Q30/00 , G06Q30/06 , G06Q30/0623 , G07F7/0886
摘要： The UNIVERSAL ELECTRONIC PAYMENT APPARATUSES, METHODS AND SYSTEMS ("UEP") transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.
摘要翻译：通用电子支付设备，方法和系统（“UEP”）将触摸屏输入通过UEP组件转换成虚拟钱包移动应用程序接口到购买交易触发器和收据通知。在一个实现中，UEP经由用户设备提供产品信息搜索请求; 并且响应于所述产品信息搜索请求，获得关于由第一商家出售的第一产品和由第二商家销售的第二产品的信息。 UEP使用由第一商家销售的第一产品的信息和由第二商家销售的第二商品来生成单个购买交易请求。 UEP经由用户设备提供用于支付处理的单个购买交易请求。此外，UEP获得第一商家的第一商品的电子购买收据和由第二商家出售的第二商品。

2. 发明申请

WO2015171625A1 SYSTEM AND METHOD FOR TOKEN DOMAIN CONTROL 审中-公开
标题翻译：系统和方法来控制域控制
公开(公告)号：WO2015171625A1
公开(公告)日：2015-11-12
申请号：PCT/US2015/029267
申请日：2015-05-05
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： KUMNICK, Phillip
IPC分类号： G06Q20/38 , G06Q20/40 , G06Q20/12
CPC分类号： H04L67/20 , G06Q20/385 , G06Q20/4016 , H04L63/083 , H04L67/02 , H04L67/10
摘要： A method for providing a token code in conjunction with a value token is disclosed. The token code serves as a shared secret for authenticating the use of the value token. Multiple token holders can possess the same value token, but each token holder may have a different token code for use with the value token.
摘要翻译：公开了一种用于提供结合值令牌的令牌代码的方法。令牌代码用作认证使用值令牌的共享秘密。多个令牌持有者可以具有相同的值令牌，但是每个令牌持有者可以具有与值令牌一起使用的不同的令牌代码。

3. 发明申请

WO2018004820A1 DIGITAL ASSET ACCOUNT MANAGEMENT 审中-公开
标题翻译：数字资产账户管理
公开(公告)号：WO2018004820A1
公开(公告)日：2018-01-04
申请号：PCT/US2017/030869
申请日：2017-05-03
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： GADDAM, Sivanarayana , PRAKASH, Gyan , GADDAM, Ajit , KUMNICK, Phillip , WANG, Min , GALLAND, Dean
IPC分类号： G06Q20/06 , G06Q20/36 , G06Q20/38
摘要： Systems and methods related to a cryptocurrency system that enables transactions to be performed by transferring digital assets corresponding to amounts between appropriate entities are described. The cryptocurrency system includes a digital assets service provider computer that can host digital asset accounts associated with consumers and resource providers at which digital assets can be received. Consumers can be unbanked and use their digital asset account to perform cashless transactions. In one exemplary transaction, a consumer can receive change for the transaction as a digital asset that is assigned to their digital asset account. In another exemplary transaction, the consumer can use digital assets assigned to their digital asset account to pay for the transaction. Transfers of digital assets between accounts is managed by a ledger of transactions, which may be in the form of a block chain that cryptographically secures data that is stores.
摘要翻译：描述了能够通过传送与合适实体之间的量相对应的数字资产来实现交易的与加密货币系统有关的系统和方法。该加密货币系统包括数字资产服务提供商计算机，该数字资产服务提供商计算机可托管与可接收数字资产的消费者和资源提供者相关联的数字资产账户消费者可以没有银行存款并使用他们的数字资产账户进行无现金交易。在一个示例性交易中，消费者可以接收交易的变化作为分配给他们的数字资产账户的数字资产。在另一个示例性交易中，消费者可以使用分配给他们的数字资产账户的数字资产来支付交易。账户之间数字资产的转账由交易分类账管理，这可能是以加密方式保护店铺数据的分块链的形式。

4. 发明申请

WO2017096300A1 UNIQUE CODE FOR TOKEN VERIFICATION 审中-公开
标题翻译：用于证实验证的唯一代码
公开(公告)号：WO2017096300A1
公开(公告)日：2017-06-08
申请号：PCT/US2016/064817
申请日：2016-12-02
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： LAXMINARAYANAN, Prasanna , KUMNICK, Phillip , VASU, Madhu
IPC分类号： H04L9/32 , H04L29/06
CPC分类号： G06Q20/4018 , G06Q20/02 , G06Q20/12 , G06Q20/3674 , G06Q20/382 , G06Q20/3821 , G06Q20/385 , G06Q20/40 , G06Q20/4014 , G06Q20/405 , G07C9/00126 , H04L63/062 , H04L63/0807 , H04L63/0892 , H04L2209/56 , H04L2463/121
摘要： A method for tokenizing credentials is disclosed. In addition to a token, a verification value can be provided for each interaction. The verification value can be generated based at least in part on a dynamic data element. The dynamic data element may be kept secret, while the verification value can be distributed for use during an interaction. When the verification value is used, it can be validated by re-creating the verification value based at least on the stored dynamic data element.
摘要翻译：公开了一种用于令牌凭证的方法。除了令牌之外，还可以为每个交互提供验证值。验证值可以至少部分地基于动态数据元素来生成。动态数据元素可以保密，而验证值可以在交互期间分发以供使用。当使用验证值时，可以通过至少基于存储的动态数据元素重新创建验证值来验证它。

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