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1. 发明申请

WO2010008766A2 AUTHENTICATION SEGMENTATION 审中-公开
标题翻译：认证分割
公开(公告)号：WO2010008766A2
公开(公告)日：2010-01-21
申请号：PCT/US2009/047931
申请日：2009-06-19
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman , EL-AWADY, Khalid , JACKSON, Thomas Hardy , TRIPLETT, Brian
发明人： HAMMAD, Ayman , EL-AWADY, Khalid , JACKSON, Thomas Hardy , TRIPLETT, Brian
IPC分类号： H04W12/12 , H04W12/06 , G06Q20/00
CPC分类号： G06Q40/02
摘要： Methods and systems of authentication segmentation to selectively apply authentication tools to target high risk segments of transactions and entities. The methods and systems identify a plurality of fraud reduction tools and determine segmentation metrics associated with the plurality of fraud reduction tools. One or more segments are determined based on the segmentation metrics using fraud data and the best candidates of the one or more segments is identified. One or more fraud reduction tools is selected that target the best candidates.
摘要翻译：
认证分段的方法和系统选择性地应用认证工具来定位交易和实体的高风险部分。该方法和系统识别多个欺诈减少工具并确定与多个欺诈减少工具相关联的分段度量。基于使用欺诈数据的分段度量确定一个或多个分段，并识别一个或多个分段的最佳候选。选择一个或多个减少欺诈的工具来瞄准最佳候选人。

2. 发明申请

WO2010104797A2 PORTABLE CONSUMER DEVICE FOR USE IN CURRENCY CONVERSION PROCESS 审中-公开
标题翻译：用于货币转换过程的便利消费者设备
公开(公告)号：WO2010104797A2
公开(公告)日：2010-09-16
申请号：PCT/US2010/026545
申请日：2010-03-08
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , TRIPLETT, Brian
发明人： TRIPLETT, Brian
IPC分类号： G06Q50/00 , G06F17/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/105 , G06Q20/204 , G06Q20/40 , G06Q40/00
摘要： A server computer including a processor and a computer readable medium coupled to the processor. The computer readable medium includes code executable by the processor. The code includes code for determining a load value loaded on a portable consumer device in a first currency and code for converting at least a portion of the load value to a second currency using an exchange rate associated with the first currency and the second currency, where the exchange rate is associated with a set date. The set date may be a current or future date.
摘要翻译：一种服务器计算机，包括耦合到处理器的处理器和计算机可读介质。计算机可读介质包括可由处理器执行的代码。代码包括用于确定以第一货币装载在便携式消费设备上的负载值的代码，以及使用与第一货币和第二货币相关联的汇率将至少一部分负载值转换为第二货币的代码，其中汇率与设定日期相关联。设定日期可能是当前或将来的日期。

3. 发明申请

WO2010059373A2 BEVERAGE HOLDER HAVING A CHIP UNIT FOR PERFORMING PAYMENT TRANSACTIONS 审中-公开
标题翻译：具有执行付款交易的芯片组的饮料持有人
公开(公告)号：WO2010059373A2
公开(公告)日：2010-05-27
申请号：PCT/US2009/062553
申请日：2009-10-29
申请人： VISA U.S.A. INC. , FUERSTENBERG, Zack , HAMMAD, Ayman , TRIPLETT, Brian , RENTON, Christopher, M. , STEPHENSON, Michael
发明人： FUERSTENBERG, Zack , HAMMAD, Ayman , TRIPLETT, Brian , RENTON, Christopher, M. , STEPHENSON, Michael
IPC分类号： G06F17/00 , B65D25/00 , G06K19/07
CPC分类号： G06Q20/102 , G06K19/07 , G06Q20/20 , G06Q20/3223 , G06Q20/3278 , G06Q20/341 , G06Q20/40 , G06Q2220/00
摘要： A beverage holder apparatus includes a chip unit attached to a beverage holder and adapted to communicate with a chip unit reader to perform a payment transaction to purchase the beverage. The chip unit stores an account identifier associated with a financial account, and transmits the stored account identifier to the chip unit reader to perform the payment transaction.
摘要翻译：饮料保持器装置包括附接到饮料保持器的芯片单元，其适于与芯片单元读取器通信以执行支付交易以购买饮料。芯片单元存储与金融账户相关联的账户标识符，并且将存储的帐户标识符发送到芯片单元读取器以执行支付交易。

4. 发明申请

WO2008070642A2 BANK ISSUED CONTACTLESS PAYMENT CARD USED IN TRANSIT FARE COLLECTION 审中-公开
标题翻译：银行发行用于收取交易费用的接近付款卡
公开(公告)号：WO2008070642A2
公开(公告)日：2008-06-12
申请号：PCT/US2007/086342
申请日：2007-12-04
申请人： VISA U.S.A. INC. , VISA INTERNATIONAL SERVICE CORPORATION , HAMMAD, Ayman , DIXON, Phil , TRIPLETT, Brian
发明人： HAMMAD, Ayman , DIXON, Phil , TRIPLETT, Brian
IPC分类号： G06K19/06
CPC分类号： G06Q20/352 , G06Q20/12 , G06Q20/16 , G06Q20/227 , G06Q20/322 , G06Q20/325 , G06Q20/341 , G06Q20/3576 , G06Q20/367 , G07F7/1008
摘要： An architecture for a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments. The payment device may function as both an electronic wallet for commerce transactions and as a transit system card, for access to and fare payment of transit services. Implementation of both functions may be achieved by use of a dynamic memory management system that permits data for both the payment and transit applications to be stored on the card, with the transit data and storage locations isolated from those used to store data intended for use in paying for commerce transactions. The transit application specific data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use), for example.
摘要翻译：用于非接触式智能卡或支付设备的架构，智能卡旨在用于商业交易支付和过境票价支付（或其他场地访问）环境中。支付设备可以用作商业交易的电子钱包和作为过境系统卡的用于访问和支付过境服务的费用。这两个功能的实现可以通过使用动态存储器管理系统来实现，该系统允许将支付和转接应用的数据存储在卡上，其中转接数据和存储位置与用于存储旨在用于支付商业交易。运输应用程序特定数据可以包括例如访问控制数据（密钥，密码，标识数据）或票价计算所需的数据（费率，系统使用的历史数据）。

5. 发明申请

WO2003038553A2 METHOD AND SYSTEM FOR CONDUCTING A COMMERCIAL TRANSACTION BETWEEN A BUYER AND A SELLER 审中-公开
标题翻译：用于在买方和卖方之间进行商业交易的方法和系统
公开(公告)号：WO2003038553A2
公开(公告)日：2003-05-08
申请号：PCT/US2002/034362
申请日：2002-10-25
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： VAUX, Jonathan , TRIPLETT, Brian , DREYER, Michael
IPC分类号： G06F
CPC分类号： G06Q30/06 , G06Q20/04 , G06Q20/10 , G06Q20/12 , G06Q20/24 , G06Q20/40 , G06Q30/04 , G06Q40/025
摘要： A system for conducting a commercial transaction between a buyer and a seller is disclosed. The system includes a transaction processing system for facilitating payment for a transaction between the buyer and the seller. In addition to the buyer and the seller, the transaction processing system also interacts with an issuer and an acquirer. The issuer issues and manages an account for the buyer. The acquirer manages an account for the seller. The transaction processing system operates as follows. An electronic invoice relating to the transaction is first posted to the system by the seller or another system. Upon accepting the electronic invoice, the system creates a payment instruction. Each time a payment instruction is created, the system applies certain pre-negotiated payment terms and conditions between the buyer and the seller to the payment instruction. After the payment instruction is created, the system seeks approval from the buyer. Upon approval of the payment instruction by the buyer, the system schedules the payment for the specified date in the payment instruction. On the scheduled day of payment, the system calculates one or more fees, such as a transaction fee, for the transaction according to a pre-defined variable pricing matrix, which is determined based on a set of pre-negotiated conditions agreed to by the issuer, the acquirer, the seller and the buyer. For example, the transaction fee is an amount used by the issuer and the acquirer to compensate each other for processing the payment on behalf of the buyer and the seller. After the transaction fee is calculated, information relating to the transaction fee and the payment instruction is formatted into a proper message format(s) and submitted for authorization, clearing and settlement. The issuer and the acquirer then communicate with one another directly or indirectly to settle the funds. Additionally, the system provides transaction and activity reports to all relevant parties as well as access to status information for invoices and payments.
摘要翻译：公开了一种在买方和卖方之间进行商业交易的系统。该系统包括用于促进买方和卖方之间的交易的支付的交易处理系统。除了买方和卖方外，交易处理系统还与发行人和收单方互动。发行人发行和管理买家的帐户。收单方管理卖方的帐户。事务处理系统的操作如下。与交易相关的电子发票首先由卖方或其他系统发布到系统。收到电子发票后，系统创建付款指示。每次创建支付指令时，系统将买方和卖方之间的一些预先协商的付款条件和条件应用于支付指令。付款指示创建后，系统将从买方获得批准。在批准买方的付款指示后，系统会在支付指示中安排指定日期的付款。在预定的付款日期，系统根据预先定义的可变定价矩阵计算交易的一个或多个费用，如交易费用，该预定义的可变定价矩阵是基于一组预先协商的条件所确定的发行人，收购方，卖方和买方。例如，交易费用是发行人和收单方为代表买方和卖方处理付款而相互补偿的金额。在交易费用计算之后，与交易费用和支付指示相关的信息被格式化为适当的消息格式，并提交授权，结算和结算。然后，发行人和收单方直接或间接相互通信以结算资金。此外，系统还向所有相关方提供交易和活动报告，以及获取发票和付款的状态信息。

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