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1. 发明申请

WO2011028399A3 RESPONSE TO ALERT MESSAGE 审中-公开
公开(公告)号：WO2011028399A3
公开(公告)日：2011-03-10
申请号：PCT/US2010/045638
申请日：2010-08-16
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , TRIFILETTI, Greg , HAMMAD, Ayman
发明人： TRIFILETTI, Greg , HAMMAD, Ayman
IPC分类号： G06Q20/00 , G06Q30/00 , H04W4/24 , H04W4/14
摘要： One embodiment of the invention is directed to a system comprising a server computer, a database coupled to the server, and a notification device in operative communication with the server. The server comprises a processor and a computer readable medium coupled to the processor. The computer readable medium comprises computer readable program code embodied therein. The computer readable program code is adapted to be executed by the processor to receive a request to modify delivery instructions for alerts associated with a consumer, and modify delivery instructions for alerts associated with the consumer.

2. 发明申请

WO2011153505A1 PAYMENT TOKENIZATION APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译：付款归位装置，方法和系统
公开(公告)号：WO2011153505A1
公开(公告)日：2011-12-08
申请号：PCT/US2011/039178
申请日：2011-06-03
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , FUENTES, Jacob , DILL, Matthew , TRIFILETTI, Greg , CIUREA, Peter , HAMMAD, Ayman
发明人： FUENTES, Jacob , DILL, Matthew , TRIFILETTI, Greg , CIUREA, Peter , HAMMAD, Ayman
IPC分类号： G06Q20/00
CPC分类号： G06Q20/32 , G06Q20/04 , G06Q20/425 , G06Q30/0601
摘要： The PAYMENT TOKENIZATION APPARATUSES, METHODS AND SYSTEMS ("PT") transform payment token-based purchase orders via PT components into multi-issuer purchase payment funds transfers. In one embodiment, the PT obtains a token arbitration request including unique source-neutral universally-resolvable payment token information from a merchant for processing a purchase order. The PT queries a token database for issuer information using the payment token information, and obtains the issuer information. The PT also determines the user should be queried for payment options based on the issuer information, generates a payment options request, and provides the payment options request to a user?s mobile device. Upon obtaining a response to the payment options request from the mobile device, the PT generates a purchase authorization request based on the payment options and pre-defined settings for issuers to be contacted for processing the purchase order, and provides the generated purchase authorization request to the issuer.
摘要翻译：付款授权设备，方法和系统（“PT”）通过PT组件将基于付款令牌的采购订单转换为多发行商购买支付资金转帐。在一个实施例中，PT从商家获得包括用于处理采购订单的来自商家的唯一源中性普遍可解决的支付令牌信息的令牌仲裁请求。 PT使用支付令牌信息查询令牌数据库的发行者信息，并获得发行者信息。 PT还确定基于发行者信息查询用户的付款选项，生成支付选项请求，并向用户的移动设备提供支付选择请求。在获得对来自移动设备的付款选择请求的响应时，PT基于用于处理采购订单的要联系的发行者的支付选项和预定义设置生成购买授权请求，并且将生成的购买授权请求提供给发行人。

3. 发明申请

WO2012122049A2 INTEGRATION OF PAYMENT CAPABILITY INTO SECURE ELEMENTS OF COMPUTERS 审中-公开
标题翻译：支付能力在计算机安全元件中的集成
公开(公告)号：WO2012122049A2
公开(公告)日：2012-09-13
申请号：PCT/US2012/027586
申请日：2012-03-02
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman
发明人： HAMMAD, Ayman
IPC分类号： G06Q20/40 , G06Q20/24 , G06Q40/02
CPC分类号： G06Q20/40 , G06F17/30522 , G06F21/34 , G06F2221/2129 , G06Q20/12 , G06Q20/227 , G06Q20/385 , G06Q20/401 , G06Q20/42 , G06Q20/425 , H04L9/14 , H04L9/3234 , H04L63/0428 , H04L63/06 , H04L63/0853 , H04L63/102 , H04L63/126 , H04L63/1441 , H04L2209/56
摘要： Methods, secure elements, validation entities, and computer program products for effecting secure communication of payment information to merchants for Internet-based purchases. Payment information for a user's real payment information is installed in a secure element of a computer, the payment information may comprise a pseudo PAN number for the portable consumer device provided by a validation entity. The secure element is shielded from the computer's operating system to thwart hacker attacks. The user accesses the secure element to make a purchase. In response, the secure element contacts the validation entity with the pseudo account number, and in response obtains dynamic payment information that the secure element can used to effect the payment. The dynamic payment information comprises an account number that is different from the pseudo PAN, and which has at least one difference which respect to the user's real payment information.
摘要翻译：方法，安全元件，验证实体和计算机程序产品，用于实现支付信息到商家的基于因特网购买的安全通信。用户的真实支付信息的支付信息被安装在计算机的安全元件中，支付信息可以包括由验证实体提供的便携式消费者设备的伪PAN编号。安全元件与计算机的操作系统隔离以防止黑客攻击。用户访问安全元素进行购买。作为响应，安全元件使用伪帐号联系确认实体，并且作为响应，获得安全元件可以用来实现支付的动态支付信息。动态支付信息包括与伪PAN不同的账号，并且其具有与用户的实际支付信息相关的至少一个差异。

4. 发明申请

WO2012058309A2 INTEGRATION OF VERIFICATION TOKENS WITH MOBILE COMMUNICATION DEVICES 审中-公开
标题翻译：用移动通信设备整合验证机
公开(公告)号：WO2012058309A2
公开(公告)日：2012-05-03
申请号：PCT/US2011/057889
申请日：2011-10-26
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman
发明人： HAMMAD, Ayman
IPC分类号： G06Q20/00 , H04L9/32
CPC分类号： H04L9/10 , G06F21/34 , G06F2221/2129 , G06Q20/12 , G06Q20/341 , G06Q20/352 , G06Q20/385 , G06Q20/40 , G06Q20/4018 , G06Q20/42 , G06Q20/425 , H04L9/14 , H04L9/3231 , H04L9/3234 , H04L63/0853 , H04L63/126 , H04L2209/12 , H04L2209/24 , H04L2209/805
摘要： Apparatuses, methods, and systems pertaining to the verification of portable consumer devices are disclosed. In one implementation, a verification token is communicatively coupled to a computer by a USB connection so as to use the computers networking facilities. The verification token reads identification information from a users portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computers 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 device verification value to the verification token, and optionally to a payment processing network. The verification token may enter the device verification value into a CVV field of a web page appearing on the computers display, or may display the value to the user using the computers display.
摘要翻译：公开了与便携式消费者设备的验证有关的装置，方法和系统。在一个实现中，验证令牌通过USB连接通信地耦合到计算机，以便使用计算机联网设备。验证令牌从用户便携式消费者设备（例如，信用卡）读取识别信息，并使用计算机联网设备将信息发送到通过通信网络的验证条目。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。如果通过选定数量的测试，则验证实体向验证令牌发送设备验证值，并且可选地向支付处理网络发送设备验证值。验证令牌可以将设备验证值输入到出现在计算机显示器上的网页的CVV字段中，或者可以使用计算机显示向用户显示该值。

5. 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。

6. 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。

7. 发明申请

WO2010129357A2 VERIFICATION OF PORTABLE CONSUMER DEVICES 审中-公开
标题翻译：便携式消费者设备的验证
公开(公告)号：WO2010129357A2
公开(公告)日：2010-11-11
申请号：PCT/US2010/032825
申请日：2010-04-28
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , HAMMAD, Ayman
发明人： HAMMAD, Ayman
IPC分类号： G06Q20/00
CPC分类号： G07F19/2055 , G06Q20/322 , G06Q20/40 , G06Q20/425 , G06Q40/00
摘要： Embodiments of the invention are directed to methods, systems, and computer program products pertaining to obtaining, providing, and using dynamic card verification values for portable consumer devices, such as credit cards and debit cards. An exemplary method comprises receiving, at a server, a request for a device verification value for a portable consumer device associated with a user; obtaining, at the server, a datum indicative of a device verification value for a portable consumer device; and sending, from the server, the datum to at least one of a phone number or network address of a personal communication device associated with the user.
摘要翻译：本发明的实施例涉及关于获得，提供和使用便携式消费者设备（例如信用卡和借记卡）的动态卡验证值的方法，系统和计算机程序产品。一种示例性方法包括在服务器处接收与用户相关联的便携式消费者设备的设备验证值的请求; 在服务器处获取指示便携式消费者设备的设备验证值的数据; 以及从所述服务器将所述基准发送到与所述用户相关联的个人通信设备的电话号码或网络地址中的至少一个。

8. 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。

9. 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。

10. 发明申请

WO2007149762A2 TRACK DATA ENCRYPTION 审中-公开
标题翻译：跟踪数据加密
公开(公告)号：WO2007149762A2
公开(公告)日：2007-12-27
申请号：PCT/US2007/071200
申请日：2007-06-14
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , VISA U.S.A. INC. , HAMMAD, Ayman
发明人： HAMMAD, Ayman
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： A method for using a secondary PAN is disclosed. The method includes providing a secondary PAN associated with a primary PAN, where the secondary PAN has at least one end portion that is the same as the primary PAN, but has a middle portion of that is different than the primary PAN.
摘要翻译：公开了一种使用次级PAN的方法。该方法包括提供与主PAN相关联的辅助PAN，其中辅助PAN具有与主要PAN相同的至少一个端部，但其中间部分与主要PAN不同。

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