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1. 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。

2. 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。

3. 发明申请

WO2010129300A2 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：WO2010129300A2
公开(公告)日：2010-11-11
申请号：PCT/US2010/032611
申请日：2010-04-27
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , 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。

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

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。

6. 发明申请

WO2011066387A2 ACCESS TO A SECURED AREA USING A MOBILE DEVICE WITH AN ACCELEROMETER 审中-公开
标题翻译：使用具有加速度计的移动设备访问安全区域
公开(公告)号：WO2011066387A2
公开(公告)日：2011-06-03
申请号：PCT/US2010/058005
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： H04W12/08
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：本发明的实施例针对用于使用具有加速度计的移动设备来访问安全或受限制的区域的系统，设备和方法。第一设备和第二设备通过彼此物理接触来交互，从而生成表示第一和第二设备之间的物理交互的交互数据。第一和第二设备可以是移动电话。第二设备可以是销售点终端，接入点设备，或位于线路，门，入口或入口处的任何其他静止（即处于固定位置）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了物理接触。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。通信可以涉及在预期进入者（操作第一设备）和关守（操作第二设备）之间交换信息（诸如凭证）的访问交易，以验证预期参赛者被允许或不被允许访问由看门人保护或限制的特定区域。其他实施例直接涉及确认交易。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相结合。

7. 发明申请

WO2011066381A2 TRANSACTION USING A MOBILE DEVICE WITH AN ACCELEROMETER 审中-公开
标题翻译：使用具有加速度计的移动设备的交易
公开(公告)号：WO2011066381A2
公开(公告)日：2011-06-03
申请号：PCT/US2010/057997
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： G06Q20/00 , G01P15/00
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度计来测量第一装置的第一加速度数据。还可以记录由第一设备产生的其他交互数据，包括时间数据和地理位置数据。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产生的第二加速度数据进行比较。如果第一和第二加速度计数据基本上相等，则可以确定设备已经相互作用并且可以启动通信。通信发起后，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认证过程的一部分。本发明的其他实施例使用加速度计来产生运动安全数据以使金融交易更加安全。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。

8. 发明申请

WO2010129333A3 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方法，包括客户存在通知
公开(公告)号：WO2010129333A3
公开(公告)日：2010-11-11
申请号：PCT/US2010/032756
申请日：2010-04-28
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , 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
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：这里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。商家提醒消息可以基于顾客的特征发送，包括顾客与商家的接近度。商家可以使用警报消息向顾客提供更好的服务，或者防止顾客进行交易，这取决于商家警报消息的内容。

9. 发明申请

WO2010129246A2 MERCHANT COMPETITION ALERT 审中-公开
标题翻译：商业竞争报告
公开(公告)号：WO2010129246A2
公开(公告)日：2010-11-11
申请号：PCT/US2010/032496
申请日：2010-04-27
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , 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。

10. 发明申请

WO2012125759A2 SYSTEM AND METHOD FOR PROCESSING PAYMENT TRANSACTIONS 审中-公开
标题翻译：处理支付交易的系统和方法
公开(公告)号：WO2012125759A2
公开(公告)日：2012-09-20
申请号：PCT/US2012/029118
申请日：2012-03-14
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman , FAITH, Patrick L. , CARLSON, Mark
发明人： HAMMAD, Ayman , FAITH, Patrick L. , CARLSON, Mark
IPC分类号： G06Q20/40
CPC分类号： G06Q20/401 , G06Q20/20 , G06Q20/32 , G06Q20/34 , G06Q20/382 , G06Q20/40 , G06Q20/409
摘要： A system and associated data processing flow for processing payment transactions that are conducted using a payment account or portable consumer device. The portable consumer device may be in any suitable form, including cards, key fobs, devices containing a contactless element, smart cards (having contacts or without contacts), etc. The invention separates the authentication of the payment account or payment device from the transaction authorization process, enabling different entities to be responsible for each of those functions.
摘要翻译：用于处理使用支付帐户或便携式消费者设备进行的支付交易的系统和相关联的数据处理流程。便携式消费设备可以是任何合适的形式，包括卡，密钥卡，包含非接触元件的设备，智能卡（具有联系人或不具有联系人）等。本发明将支付帐户或支付设备的认证与交易分离授权过程，使不同的实体能够对这些功能负责。

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