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1. 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。

2. 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。

3. 发明申请

WO2005033875A3 METHOD AND SYSTEM FOR MANAGING DYNAMIC TERMS AND CONDITIONS AND USER INTERACTION 审中-公开
公开(公告)号：WO2005033875A3
公开(公告)日：2005-04-14
申请号：PCT/US2004/031827
申请日：2004-09-28
申请人： VISA U.S.A. INC. , VISA INTERNATIONAL SERVICE ASSOCIATION , NGUYEN, Loc , SHIMKO, Bryan , HAMMAD, Ayman
发明人： NGUYEN, Loc , SHIMKO, Bryan , HAMMAD, Ayman
IPC分类号： G06Q20/00
摘要： A method for generating a terms and conditions (T & C) statement for a transaction is disclosed. The method includes: using a portable device to conduct the transaction, the portable device having portable device information; determining if a terms and conditions statement is needed for the transaction based on the portable device information; dynamically generating the terms and conditions statement for the transaction; and outputting the generated terms and conditions statement.

4. 发明申请

WO2005033857A2 METHOD AND SYSTEM FOR MANAGING REWARD REVERSAL AFTER POSTING 审中-公开
标题翻译：管理逆向后续工作的方法和系统
公开(公告)号：WO2005033857A2
公开(公告)日：2005-04-14
申请号：PCT/US2004/030561
申请日：2004-09-16
申请人： VISA U.S.A. INC. , VISA INTERNATIONAL SERVICE ASSOCIATION , BORTOLIN, Corinne , HAMMAD, Ayman
发明人： BORTOLIN, Corinne , HAMMAD, Ayman
IPC分类号： G06F
CPC分类号： G06Q30/0226 , G06Q20/387 , G06Q30/02 , G06Q30/0235 , G06Q30/0238 , G07G1/12
摘要： A system for managing reward reversal is provided. The system includes a device that is capable of adjusting the accumulation and redemption levels of rewards after a purchase or return transaction.
摘要翻译：提供了一种管理奖励反转的系统。该系统包括能够在购买或退回交易之后调整积累和兑现奖励水平的装置。

5. 发明申请

WO2008016752A2 VERIFICATION ERROR REDUCTION SYSTEM 审中-公开
标题翻译：验证错误减少系统
公开(公告)号：WO2008016752A2
公开(公告)日：2008-02-07
申请号：PCT/US2007/071479
申请日：2007-06-18
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： 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 is disclosed. The method includes a) receiving a dynamic data element and a first verification value derived from the dynamic data element, wherein the first verification value is generated in response to a transaction conducted using a portable consumer device, b) determining if the dynamic data element is within a predetermined range, c) if the dynamic data element is within the predetermined range, generating a second verification value, d) determining if the second verification value matches the first verification value, or if the second verification value is otherwise acceptable, and e) initiating the approval the transaction if the second verification value matches the first verification value.
摘要翻译：公开了一种方法。该方法包括：a）接收动态数据元素和从动态数据元素导出的第一验证值，其中响应于使用便携式消费者设备进行的交易生成第一验证值，b）确定动态数据元素是在预定范围内，c）如果动态数据元素在预定范围内，则生成第二验证值，d）确定第二验证值是否匹配第一验证值，或者如果第二验证值是否可接受，并且e ）如果第二验证值与第一验证值匹配，则开始交易批准。

6. 发明申请

WO2007149785A3 PORTABLE CONSUMER DEVICE VERIFICATION SYSTEM 审中-公开
公开(公告)号：WO2007149785A3
公开(公告)日：2007-12-27
申请号：PCT/US2007/071376
申请日：2007-06-15
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： H04K1/00 , H04R1/00 , G06Q40/00
摘要： A method for verifying a portable consumer device. The method includes receiving an authorization request message associated with a transaction conducted using a portable consumer device. The portable consumer device includes a portable consumer device fingerprint. The authorization request message includes an altered portable consumer device fingerprint and an algorithm identifier. The method also includes selecting an algorithm from among a plurality of algorithms using the algorithm identifier, determining the portable consumer device fingerprint using selected algorithm and the altered portable consumer device fingerprint, determining if the portable consumer device fingerprint matches a stored portable consumer device fingerprint, and sending an authorization response message after determining if the portable consumer device fingerprint matches the stored portable consumer device fingerprint.

7. 发明申请

WO2005033865A2 METHOD AND SYSTEM FOR PROVIDING A DISTRIBUTED ADAPTIVE RULES BASED DYNAMIC PRICING SYSTEM 审中-公开
标题翻译：提供基于分布式自适应规则的动态定价系统的方法和系统
公开(公告)号：WO2005033865A2
公开(公告)日：2005-04-14
申请号：PCT/US2004/031656
申请日：2004-09-27
申请人： VISA U.S.A. INC. , VISA INTERNATIONAL SERVICE ASSOCIATION , NGUYEN, Loc , HAMMAD, Ayman , GAUTHIER, Patrick
发明人： NGUYEN, Loc , HAMMAD, Ayman , GAUTHIER, Patrick
IPC分类号： G06F
CPC分类号： G06Q30/06 , G06Q20/20 , G06Q20/209 , G06Q30/0238 , G06Q30/0268 , G06Q30/0283 , G06Q30/0601
摘要： A system for providing distributed control to process transactions is disclosed. The system includes a service provider system having associated therewith a number of rules and a number of meta-rules, a point of service device having associated therewith a number of rules and a number of meta-rules, and a portable device having associated therewith a number of rules and a number of meta-rules. The portable device uses its associated rules to determine an outcome for a transaction. If the portable device is unable to determine the outcome for the transaction, the portable device uses its associated meta-rules to either determine whether one or more of its associated rules can be altered locally in order to determine the outcome or request the point of service device to help determine the outcome using the rules and meta-rules associated with the point of service device. If the point of service device is unable to determine the outcome using its associated rules, the point of service device uses its associated meta-rules to either determine whether one or more of its associated rules can be altered locally in order to determine the outcome or request the service provider system to help determine the outcome using the rules and meta-rules associated with the service provider system.
摘要翻译：公开了一种用于提供分布式控制以处理事务的系统。该系统包括具有与其相关联的多个规则和多个元规则的服务提供商系统，具有与其相关联的多个规则和多个元规则的服务点设备以及与其相关联的便携式设备规则数量和多个元规则。便携式设备使用其相关规则来确定交易的结果。如果便携式设备无法确定交易的结果，则便携式设备使用其相关联的元规则来确定其本地相关规则中的一个或多个是否可以在本地进行更改，以便确定结果或请求服务点设备帮助使用与服务点设备相关联的规则和元规则来确定结果。如果服务点设备不能使用其相关规则来确定结果，则服务点设备使用其相关联的元规则来确定其本地关联规则中的一个或多个可以被本地改变以便确定结果，或者请求服务提供商系统使用与服务提供商系统相关联的规则和元规则帮助确定结果。

8. 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。

9. 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。

10. 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。

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