专利快速检索-快速检索全球专利，免费商用专利数据库-IPRDB

1. 发明申请

WO2010121137A2 ENROLLMENT SERVER 审中-公开
标题翻译： ENROLLING服务器
公开(公告)号：WO2010121137A2
公开(公告)日：2010-10-21
申请号：PCT/US2010/031402
申请日：2010-04-16
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , FAITH, Patrick , HAMMAD, Ayman , COYNE, Jack
发明人： FAITH, Patrick , HAMMAD, Ayman , COYNE, Jack
IPC分类号： G06Q10/00 , G06F21/20
CPC分类号： G06Q20/3255 , G06Q20/00 , G06Q20/3223 , G06Q20/4016 , G06Q20/405 , G06Q30/0201 , G06Q40/02 , G06Q40/12
摘要： Systems, methods and apparatus for processing enrollment requests are provided. Enrollment requests may be sent from a user to an enrollment server. The enrollment server may verify the information in the enrollment request with entities that may contain authoritative data reflecting the validity of the information in the enrollment request. The authenticity of devices involved in the enrollment request may also be verified. In addition, the user's transaction history can be reviewed to determine if the enrollment fits the user's transaction history profile. Based on the verified information and a level of risk associated with the enrollment, the enrollment server may allow or deny the enrollment request.
摘要翻译：提供了用于处理注册请求的系统，方法和装置。注册请求可以从用户发送到注册服务器。注册服务器可以使用可能包含反映注册请求中的信息的有效性的权威数据的实体来验证注册请求中的信息。注册请求中涉及的设备的真实性也可以被验证。此外，可以审查用户的交易历史以确定注册是否符合用户的交易历史资料。根据验证信息和与注册相关的风险级别，注册服务器可以允许或拒绝注册请求。

2. 发明申请

WO2011057007A2 VERIFICATION OF PORTABLE CONSUMER DEVICES FOR 3-D SECURE SERVICES 审中-公开
标题翻译：验证三维安全服务的便利消费者设备
公开(公告)号：WO2011057007A2
公开(公告)日：2011-05-12
申请号：PCT/US2010/055500
申请日：2010-11-04
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , 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： G06Q20/00 , G06F21/20
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：公开了关于用于3-D安全系统的便携式消费者设备的验证的设备，方法和系统。在一个实现中，验证令牌通过USB连接耦合到计算机，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）中读取识别信息，并使用计算机的网络设施通过通信网络将信息发送到验证条目。验证实体对从验证令牌接收到的信息应用一个或多个验证测试。如果通过了选定的测试次数，则验证实体向验证令牌发送3-D Secure数据。验证令牌可以将3-D Secure数据输入计算机显示屏上出现的购买认证页面的隐藏字段。

3. 发明申请

WO2010129555A2 FREQUENCY-BASED TRANSACTION PREDICTION AND PROCESSING 审中-公开
标题翻译：基于频率的交易预测与处理
公开(公告)号：WO2010129555A2
公开(公告)日：2010-11-11
申请号：PCT/US2010/033556
申请日：2010-05-04
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , FAITH, Patrick , SIEGEL, Kevin P. , HAMMAD, Ayman
发明人： FAITH, Patrick , SIEGEL, Kevin P. , HAMMAD, Ayman
IPC分类号： G06Q50/00 , G06F17/00
CPC分类号： G06Q20/4016 , G06Q10/04 , G06Q10/06375 , G06Q20/40 , G06Q30/02 , G06Q30/0202 , G06Q30/0204 , G06Q30/0205 , G06Q30/0224 , G06Q30/0269 , G06Q40/00 , G06Q40/12
摘要： Methods, apparatus, and systems are provided for tracking and analyzing data of consumer activity. The tracked data can be organized (e.g. as stored in cache, RAM, hard drives) in certain types of tables, where the tables can be associated with certain tags (keys) for efficiently accessing the data. The organization and associations of the data can also provide simple mechanisms for manipulating the data to obtain results specifically relevant for a task, such as detection of fraud or prediction of consumer behavior to provide better customer service or new services. For example, the tables may contain counters that store the number of times that two correlated consumer events occur within specific time intervals of each other. Such time data can provide efficient determination of patterns of consumer activity. As examples, the patterns can be used to predict and pre-authorize future transactions, and to authorize a current transaction.
摘要翻译：提供了方法，装置和系统来跟踪和分析消费者活动的数据。跟踪的数据可以在特定类型的表中被组织（例如，存储在高速缓存，RAM，硬盘驱动器中），其中表可以与用于有效访问数据的某些标签（键）相关联。数据的组织和关联也可以提供操纵数据以获得与任务特别相关的结果的简单机制，例如检测欺诈或预测消费者行为以提供更好的客户服务或新服务。例如，表可以包含存储两个相关的消费者事件在彼此的特定时间间隔内发生的次数的计数器。这样的时间数据可以有效地确定消费者活动的模式。例如，模式可用于预测和预授权未来交易，并授权当前交易。

4. 发明申请

WO2008061234A2 DYNAMIC MAGNETIC STRIPE 审中-公开
标题翻译：动态磁条
公开(公告)号：WO2008061234A2
公开(公告)日：2008-05-22
申请号：PCT/US2007/084994
申请日：2007-11-16
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , VISA U.S.A. INC. , FAITH, Patrick , HAMMAD, Ayman
发明人： FAITH, Patrick , HAMMAD, Ayman
IPC分类号： G06Q40/00
CPC分类号： G06Q20/4016 , G06Q20/20 , G06Q20/40 , G06Q30/04 , G07F7/08 , G07F7/12 , G07F7/122
摘要： A method and computer readable medium for conducting a transaction, comprising receiving a verification value and a portion of a dynamic data element, determining candidate dynamic data elements using the portion of the dynamic data element, calculating candidate verification values using candidate dynamic data elements, and determining if the received verification value matches any of the candidate verification values, wherein the transaction is thereafter authenticated if a candidate verification value matches a candidate verification value.
摘要翻译：一种用于进行交易的方法和计算机可读介质，包括接收验证值和动态数据元素的一部分，使用动态数据元素的部分确定候选动态数据元素，使用候选动态数据元素计算候选验证值，以及确定接收到的验证值是否匹配任何候选验证值，其中如果候选验证值与候选验证值匹配，则其后验证该交易。

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

WO2010059929A2 AUTHENTICATION OF DOCUMENTS HAVING A MAGNETIC STRIPE 审中-公开
标题翻译：具有磁条的文件的认证
公开(公告)号：WO2010059929A2
公开(公告)日：2010-05-27
申请号：PCT/US2009/065303
申请日：2009-11-20
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , FANG, Xiang , FAITH, Patrick , KATO, Craig , HAMMAD, Ayman , KOGANTI, Krishan, Prasad
发明人： FANG, Xiang , FAITH, Patrick , KATO, Craig , HAMMAD, Ayman , KOGANTI, Krishan, Prasad
IPC分类号： G06K19/12
CPC分类号： G06K19/12 , G07D7/04
摘要： Methods, systems, and apparatus for efficiently authenticating a document (e.g. a credit card) having a magnetic stripe are provided. The magnetic field at different points of the magnetic stripe are measured, e.g., by a checkout scanner to create a magnetic signature. Digital samples of the measurements may be transformed into coefficients of continuous basis functions, e.g., a Fourier transform. These coefficients are then compared to reference values (e.g. corresponding coefficients) to produce a measure of the authenticity of the document. The number of coefficients used can advantageously be smaller than the number of digital samples without compromising accuracy, thus using less bandwidth between a scanner and an authentication entity. The reference values can be updated over time to reflect changes in the magnetic stripe of the authentic document, as may occur due to physical deterioration. For example, reference values may be optimized based on recent measurements of the authenticated document to provide a more accurate determination of authenticity for future measurements. Methods, systems, and apparatus for verifying the identity of a cardholder are also provided. A digital representation of a magnetic characteristic of a magnetic stripe of the card can be stored on a portable electronic device of the cardholder. During a transaction, the digital signature is then transmitted so that it can be compared with a reference signature. The identity may be verified, and a response sent to a party requesting the verification, e.g., during a transaction between the requesting party and the verified party.
摘要翻译：提供了用于有效认证具有磁条的文件（例如信用卡）的方法，系统和设备。例如通过结账扫描仪测量磁条不同点处的磁场以产生磁性签名。测量的数字样本可以被变换成连续基函数的系数，例如傅立叶变换。然后将这些系数与参考值（例如对应的系数）进行比较以产生文档真实性的度量。所使用的系数的数量可以有利地小于数字样本的数量而不损害精度，因此在扫描仪和认证实体之间使用较少的带宽。可以随时间更新参考值以反映真实文档的磁条变化，这可能由于物理恶化而发生。例如，参考值可基于认证文件的最近测量而被优化，以为将来的测量提供更准确的真实性确定。还提供了用于验证持卡人身份的方法，系统和装置。卡的磁条的磁性特征的数字表示可以被存储在持卡人的便携式电子设备上。在交易过程中，数字签名随后被传输，以便可以将其与参考签名进行比较。身份可以被验证，并且发送给请求验证的一方的响应，例如在请求方和被验证方之间的交易期间。

7. 发明申请

WO2008083119A1 REAL-TIME BALANCE UPDATES 审中-公开
标题翻译：实时平衡更新
公开(公告)号：WO2008083119A1
公开(公告)日：2008-07-10
申请号：PCT/US2007/088704
申请日：2007-12-21
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , VISA U.S.A. INC. , CARLSON, Mark , HAMMAD, Ayman , FAITH, Patrick
发明人： CARLSON, Mark , HAMMAD, Ayman , FAITH, Patrick
IPC分类号： G06Q40/00
CPC分类号： H04W4/24 , G06Q20/10 , G06Q20/3221 , G06Q30/02 , G06Q30/06 , H04M15/00 , H04M15/68 , H04M15/8033 , H04M15/83 , H04M15/835 , H04M15/84 , H04M15/85 , H04M15/851 , H04M15/854 , H04M2215/0196 , H04M2215/7435 , H04M2215/81 , H04M2215/8104 , H04M2215/8129 , H04M2215/815 , H04M2215/8166
摘要： A method and a system that receive retrieve dynamic data when a notification with dynamic data is triggered. The dynamic data is associated with an account that is associated with a portable consumer device associated with a consumer. The method and system automatically send the notification with the dynamic data to a notification device, wherein the notification with the dynamic data is provided to the consumer.
摘要翻译：触发具有动态数据的通知时，接收检索动态数据的方法和系统。动态数据与与与消费者相关联的便携式消费者设备相关联的帐户相关联。所述方法和系统自动地将具有动态数据的通知发送到通知装置，其中将具有动态数据的通知提供给消费者。

8. 发明申请

WO2008027642A2 TRANSACTION AUTHENTICATION USING NETWORK 审中-公开
标题翻译：交易认证使用网络
公开(公告)号：WO2008027642A2
公开(公告)日：2008-03-06
申请号：PCT/US2007/071480
申请日：2007-06-18
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , VISA U.S.A. INC. , HAMMAD, Ayman , FAITH, Patrick , CARLSON, Mark
发明人： HAMMAD, Ayman , FAITH, Patrick , CARLSON, Mark
IPC分类号： H04L9/00
CPC分类号： G06Q20/3829 , G06Q20/085 , G06Q20/105 , G06Q20/20 , G06Q20/204 , G06Q20/367 , G06Q20/3672 , G06Q20/3674 , G06Q20/382 , G06Q20/3821 , G06Q20/385 , G06Q20/40 , G06Q20/401 , G06Q30/06 , G06Q40/00 , G06Q2220/00 , H04L9/3271 , H04L2209/56
摘要： Systems and method for improved consumer and portable consumer device authentication are disclosed. Such systems and methods may include using dynamic verification values, challenge questions, and consumer notification as ways to prevent fraudulent transactions from being conducted.
摘要翻译：公开了用于改进的消费者和便携式消费者设备认证的系统和方法。这样的系统和方法可以包括使用动态验证值，挑战问题和消费者通知作为防止欺诈交易被执行的方式。

9. 发明申请

WO2007149830A2 PORTABLE CONSUMER DEVICE CONFIGURED TO GENERATE DYNAMIC AUTHENTICATION DATA 审中-公开
标题翻译：便携式消费者设备配置生成动态认证数据
公开(公告)号：WO2007149830A2
公开(公告)日：2007-12-27
申请号：PCT/US2007/071518
申请日：2007-06-19
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , VISA U.S.A. INC. , HAMMAD, Ayman , FAITH, Patrick
发明人： HAMMAD, Ayman , FAITH, Patrick
IPC分类号： H04L9/00
CPC分类号： H04L9/32 , H04L2209/56 , H04L2209/80
摘要： Embodiments of the invention provide a portable consumer device configured to store dynamic authentication data in memory. The portable consumer device also includes an interface for transmitting data to and receiving power from an external device. The dynamic authentication data is read from the memory by a read-write device located on the portable consumer device. The authentication data is updated and the updated data may be written into memory using the read-write device. In some embodiments, an authentication value read from the memory may be used to generate another authentication value based on an algorithm. The portable consumer device is further configured to transmit authentication data to an external device. The process of reading, updating, generating, transmitting, and rewriting the authentication data may occur each time external power is provided to the portable consumer device via the interface. The power for operating the components of the portable consumer device may be drawn exclusively from the power received from the external device (i.e., the external power). In some embodiments, a portion of the external power may be temporarily stored on an energy storage means of the portable consumer device.
摘要翻译：本发明的实施例提供了被配置为将动态认证数据存储在存储器中的便携式消费者设备。便携式消费设备还包括用于向外部设备发送数据并从外部设备接收电力的接口。通过位于便携式消费设备上的读写装置从存储器读取动态认证数据。更新认证数据，并且可以使用读写装置将更新的数据写入存储器。在一些实施例中，从存储器读取的认证值可以用于基于算法生成另一认证值。便携式消费者设备还被配置为将认证数据发送到外部设备。每当通过接口向便携式消费者设备提供外部电力时，可以发生读取，更新，生成，发送和重写认证数据的过程。用于操作便携式消费者设备的组件的功率可以仅从从外部设备接收的功率（即外部功率）来绘制。在一些实施例中，外部功率的一部分可以临时存储在便携式消费设备的能量存储装置上。

10. 发明申请

WO2012092293A2 MIXED MODE TRANSACTION PROTOCOL 审中-公开
标题翻译：混合模式交易协议
公开(公告)号：WO2012092293A2
公开(公告)日：2012-07-05
申请号：PCT/US2011/067421
申请日：2011-12-27
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman , FAITH, Patrick
发明人： HAMMAD, Ayman , FAITH, Patrick
IPC分类号： H04W92/18 , G06Q20/10 , H04W88/02
CPC分类号： G06Q20/32 , G06Q20/20 , G06Q20/382 , G06Q20/425
摘要： As opposed to using one type of technology from the beginning of a transaction to the end of a transaction at the point of sale, embodiments of the present invention are related to useful techniques for conducting mixed mode transactions. A mixed mode transaction combines at least two modes of communication used in transaction processing. A transaction may start by initiating the transaction using a first communication mode between a first device and a second device. The first device may be a consumers mobile device, and the device may be a merchant access device or point of sale terminal. To continue the transaction, a second mode of communication may be initiated. The second mode of communication may be dependent on the first mode or independent. The first and second modes of communication may operated simultaneously. The first and second communications modes may be a physical interaction-based mode, a contact or contactless chip mode, a Bluetooth mode, a WiFi mode, an infrared (IR) mode, or any other suitable communication mode.
摘要翻译：与在销售点从交易开始到交易结束使用一种类型的技术相反，本发明的实施例涉及用于进行混合模式交易的有用技术。混合模式事务将事务处理中使用的至少两种通信模式相结合。事务可以通过在第一设备和第二设备之间使用第一通信模式启动事务来开始。第一设备可以是消费者移动设备，并且设备可以是商家接入设备或销售点终端。为了继续交易，可以启动第二种通信模式。第二种通信模式可能取决于第一种模式或独立的。第一和第二种通信模式可以同时运行。第一和第二通信模式可以是基于物理交互的模式，联系人或非接触芯片模式，蓝牙模式，WiFi模式，红外（IR）模式或任何其他合适的通信模式。

你已经成功收藏专利！

检索式保存成功!

IPRDB

热门服务

关于我们

友情链接

联系方式