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1. 发明申请

WO2012112822A2 SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译： SNAP移动支付设备，方法和系统
公开(公告)号：WO2012112822A2
公开(公告)日：2012-08-23
申请号：PCT/US2012/025530
申请日：2012-02-16
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman , KARPENKO, Igor , GAVRILOV, Miroslav , SHRIVASTAVA, Abhinav , CARLSON, Mark
发明人： HAMMAD, Ayman , KARPENKO, Igor , GAVRILOV, Miroslav , SHRIVASTAVA, Abhinav , CARLSON, Mark
IPC分类号： G06Q30/06
CPC分类号： G06Q20/3674 , G06Q20/20 , G06Q20/204 , G06Q20/3276 , G06Q30/06
摘要： The SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS ("SNAP") transform real-time-generated merchant-product Quick Response codes via SNAP components into virtual wallet card-based transaction purchase notifications. In one embodiment, the SNAP obtains a snapshot of a QR code presented on a display screen of a point-of-sale device from a mobile device. The SNAP decodes the QR code to obtain product information included in a checkout request of the user, and merchant information for processing a user purchase transaction with a merchant providing the QR code. The SNAP accesses a user virtual wallet to obtain user account information to process the user purchase transaction with the merchant. Using the product information, merchant information and user account information, the SNAP generates a card authorization request, and which the SNAP provides to a payment network for transaction processing. Also, the SNAP obtains a purchase receipt confirming processing of the user purchase transaction.
摘要翻译： SNAP手机付款设备，方法和系统（“SNAP”）通过SNAP组件将实时生成的商品快速响应代码转换为基于虚拟钱包卡的交易购买通知。在一个实施例中，SNAP从移动设备获得在销售点设备的显示屏上呈现的QR码的快照。 SNAP解码QR码以获得包括在用户的结帐请求中的产品信息，以及用于处理与提供QR码的商家的用户购买交易的商家信息。 SNAP访问用户虚拟钱包以获得用户帐户信息以处理与商家的用户购买交易。使用产品信息，商家信息和用户帐户信息，SNAP生成卡授权请求，SNAP提供给支付网络进行事务处理。此外，SNAP获得用户购买交易的购买收据确认处理。

2. 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。

3. 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。

4. 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。

5. 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。

6. 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。

7. 发明申请

WO2011066395A2 INTERACTION TERMINAL 审中-公开
标题翻译：交互终端
公开(公告)号：WO2011066395A2
公开(公告)日：2011-06-03
申请号：PCT/US2010/058014
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 , G06Q40/00 , G01P15/00 , 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：本发明的实施例针对用于使用具有加速度计的移动设备通过与交互终端进行接触来进行金融交易，从而生成交互数据的系统，装置和方法，所述交互数据代表移动设备与交互终端之间的物理接触。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，入口或入口处的任何其他固定（即位于固定位置）设备。具有加速度计的移动设备物理接触交互终端。交互终端弯曲，反冲或移动并生成表示移动设备与交互终端之间的物理交互的交互数据（例如，加速计，位置，时间数据等）。服务器计算机基于交互数据确定移动设备和交互终端进行了物理接触。在确定移动设备和交互终端联系之后，可以在设备之间发起通信。通信可能涉及使用支付处理网络处理支付交易。

8. 发明申请

WO2011017196A2 SEEDLESS ANTI PHISHING AUTHENTICATION USING TRANSACTION HISTORY 审中-公开
标题翻译：利用交易历史进行无种类的反钓鱼认证
公开(公告)号：WO2011017196A2
公开(公告)日：2011-02-10
申请号：PCT/US2010/043750
申请日：2010-07-29
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , CARLSON, Mark , FAITH, Patrick L. , HAMMAD, Ayman , MAYOR, Shalini
发明人： CARLSON, Mark , FAITH, Patrick L. , HAMMAD, Ayman , MAYOR, Shalini
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/102 , G06Q20/40
摘要： Systems and methods for providing authentication verification for a correspondence and other messages are disclosed. A link, such as a uniform resource locator (URL) link, is placed in a correspondence and sent to a user. When the user follows the link, a list of personal transaction data from the user's credit card or other financial account is presented. Because the personal transaction data is substantially private to user and his or her financial institution and card servicing company and not known to the public, the recipient can be assured that the message truly came from the financial institution or the card servicing company and not from a phisher.
摘要翻译：公开了用于为通信和其他消息提供认证验证的系统和方法。诸如统一资源定位符（URL）链接之类的链接置于对应关系中并发送给用户。当用户关注链接时，会显示来自用户信用卡或其他金融账户的个人交易数据列表。因为个人交易数据对于用户和他或她的金融机构和卡服务公司来说基本上是私人的并且不为公众所知，所以接收者可以确信该消息确实来自金融机构或卡服务公司而不是来自钓鱼者。

9. 发明申请

WO2010129346A2 ALERT PRIORITIZATION LOGIC 审中-公开
标题翻译：提醒优先逻辑
公开(公告)号：WO2010129346A2
公开(公告)日：2010-11-11
申请号：PCT/US2010/032790
申请日：2010-04-28
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman , CARLSON, Mark
发明人： HAMMAD, Ayman , CARLSON, Mark
IPC分类号： G06Q30/00 , G06Q20/00 , G06Q50/00
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： A first embodiment of the present invention relates to systems and methods for determining a priority for a set of alert triggers and performing additional processing based on the determined priority. In some embodiments, additional processing may include generating and sending of alert messages. In other embodiments, additional processing may further include determining that the generating and sending of alert messages are to be delayed until a later time. In yet other embodiments, additional processing may include determining that no alert message is to be generated and sent. A second embodiment of the present invention relates to systems and methods for dynamically selecting a delivery channel and generating an alert message for the selected delivery channel. In some embodiments, the alert message may be formatted based on the selected delivery channel. According to one embodiment, the alert message may be generated based on a compact protocol format. When the alert message is received by a mobile device, the mobile device may use the alert message to generate a second alert message.
摘要翻译：本发明的第一实施例涉及用于确定一组警报触发的优先级并基于所确定的优先级执行附加处理的系统和方法。在一些实施例中，附加处理可以包括生成和发送警报消息。在其他实施例中，附加处理可以进一步包括确定警报消息的生成和发送将被延迟到稍后的时间。在其他实施例中，附加处理可以包括确定不生成和发送警报消息。本发明的第二实施例涉及用于动态选择递送信道并为所选择的递送信道生成警报消息的系统和方法。在一些实施例中，警报消息可以基于所选择的传递信道被格式化。根据一个实施例，可以基于紧凑协议格式生成警报消息。当移动设备接收到警报消息时，移动设备可以使用警报消息来生成第二警报消息。

10. 发明申请

WO2010129342A2 MULTI-ALERTS BASED SYSTEM 审中-公开
标题翻译：基于多重警报的系统
公开(公告)号：WO2010129342A2
公开(公告)日：2010-11-11
申请号：PCT/US2010/032784
申请日：2010-04-28
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman , CARLSON, Mark
发明人： HAMMAD, Ayman , CARLSON, Mark
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 for defining, observing and detecting triggering user account events that initiate a user account alert message to be sent to one or more users are disclosed. Location and merchant, transaction result, device and, usage history/trend types of user account alerts and trigger criteria can be defined or selected by users, issuers were notification alert engines. Alternatively, user account alerts and trigger criteria can be defined by analyzing previously observed user account events, such as credit card transactions, to determine user profiles and user account usage trends, i.e. credit card spending patterns, as baselines for comparing newly observed user account events. If information associated with the newly observed user account events match any of the trigger criteria or are inconsistent with the determined user profile or user account usage trends, then user account alerts can be sent to one or more users.
摘要翻译：公开了用于定义，观察和检测触发要发送给一个或多个用户的用户帐户警报消息的用户帐户事件的系统和方法。用户帐号警报和触发条件的位置和商家，交易结果，设备和使用历史/趋势类型可由用户定义或选择，发行人是通知警报引擎。或者，可以通过分析先前观察到的用户帐户事件（例如信用卡交易）来定义用户帐户警报和触发条件，以确定用户配置文件和用户帐户使用趋势，即信用卡支出模式，作为比较新观察的用户帐户事件的基线。如果与新观察的用户帐户事件相关联的信息与任何触发条件匹配或者与确定的用户简档或用户帐户使用趋势不一致，则可以向一个或多个用户发送用户帐户警报。

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