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1. 发明申请

WO2009148980A3 PORTABLE CONSUMER TRANSACTION DEVICE WITH ON-BOARD POWERED ACCESS CONTROL 审中-公开
标题翻译：便携式消费者交易设备，带有板上电源访问控制
公开(公告)号：WO2009148980A3
公开(公告)日：2010-04-29
申请号：PCT/US2009045761
申请日：2009-05-30
申请人： VISA USA INC , EVANS JAMES DOUGLAS , GRANUCCI NICOLE JANINE , VRIHEAS CARRIE ELAINE , HAMMAD AYMAN A , SZE JAMES Y C
发明人： EVANS JAMES DOUGLAS , GRANUCCI NICOLE JANINE , VRIHEAS CARRIE ELAINE , HAMMAD AYMAN A , SZE JAMES Y C
IPC分类号： G06K17/00 , G06Q20/00 , H04B1/40
CPC分类号： G07F7/122 , G06Q20/20 , G06Q20/3415 , G06Q20/352 , G06Q20/354 , G06Q20/40145 , G07F7/0806 , G07F7/0813 , G07F7/088 , G07F7/1083
摘要： Implementations of a portable consumer transaction device include a portable consumer transaction payment card having a power supply, memory to store information and instructions, where the information includes an identifier for an account issued to a card holder for the use of the portable consumer transaction payment card to conduct a transaction on the account with a merchant, an active magnetic strip encoding the account, an input device to put the information in the memory, and a computing device to execute instructions to control access by the card holder to use the portable consumer transaction payment card to conduct the transaction on the account at a Point of Service terminal with the merchant. The card can display an associated current account balance which can be written to the memory after a transaction has occurred.
摘要翻译：便携式消费者交易设备的实现包括具有电源的便携式消费者交易支付卡，用于存储信息和指令的存储器，其中所述信息包括用于使用便携式消费者交易支付卡的发行给持卡人的帐户的标识符与商家进行交易，对帐户进行编码的活动磁条，将信息放入存储器的输入装置，以及计算装置，执行指令以控制卡持有人使用便携式消费者交易的指令支付卡在与商家的服务点终端上的帐户进行交易。卡可以显示相关的经常账户余额，可以在事务发生后写入存储器。

2. 发明申请

WO2011031450A3 ONLINE WARRANTY HISTORY STORAGE ACCESS 审中-公开
标题翻译：在线担保历史存储访问
公开(公告)号：WO2011031450A3
公开(公告)日：2011-05-26
申请号：PCT/US2010046467
申请日：2010-08-24
申请人： VISA USA INC , CARLSON MARK , STAN PAT , FAITH PATRICK L , HAMMAD AYMAN A , REWIS BEN
发明人： CARLSON MARK , STAN PAT , FAITH PATRICK L , HAMMAD AYMAN A , REWIS BEN
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q10/00 , G06Q20/40 , G06Q30/012 , G06Q30/06
摘要： A message confirming a transaction for the purchase of an item can include identifiers for the item and for a consumer as well as information pertaining to the transaction. The item identifier is used to locate an express warranty for the item. The consumer identifier (e.g.; a number of an account issued to the consumer) is used to locate the consumer's file in which the express warranty is stored along with at least a portion of the information pertaining to the transaction. Other data received in respective messages can be also be stored in the consumer's file. Thereafter, the consumer identifier can be use to retrieve all express warranties stored in the file for past respective purchased items. Information about each express warranty can be compared to the stored portion of the information pertaining to the transaction so as to retrieve only those express warranties that are valid (e.g.; unexpired).
摘要翻译：确认购买物品的交易的消息可以包括物品和消费者的标识符以及与交易有关的信息。物品标识符用于查找物品的明确保修。消费者标识符（例如，发给消费者的帐户号码）用于定位其中存储明示保证的消费者文件以及与交易有关的至少一部分信息。在各个消息中接收到的其他数据也可以存储在消费者的文件中。此后，消费者标识符可以用于检索存储在文件中用于过去各个购买物品的所有明示保证。关于每个明示保证的信息可以与存储的与交易有关的信息部分进行比较，以便仅检索那些有效的明示保证（例如未过期）。

3. 发明申请

WO2009094337A2 FINANCIAL TRANSACTION TOKEN 审中-公开
标题翻译：金融交易
公开(公告)号：WO2009094337A2
公开(公告)日：2009-07-30
申请号：PCT/US2009031456
申请日：2009-01-20
申请人： VISA USA INC , FAITH PATRICK L , HAMMAD AYMAN A
发明人： FAITH PATRICK L , HAMMAD AYMAN A
IPC分类号： G06Q40/00
CPC分类号： G06K19/07 , G06K19/0702 , G06K19/0723 , G06K19/07769 , G06Q20/10 , G06Q20/105 , G06Q20/204 , G06Q20/347 , G06Q20/352 , G06Q20/367 , G06Q30/06 , G07F7/0806
摘要： There is provided a card or token for use in financial transactions. The financial transaction token or card has an onboard energy storage device that enables onboard electronics to operate when the card is not in the proximity of a merchant Point-Of-Service (POS) terminal. In one implementation, the onboard energy storage device includes a capacitor such as a thin- film capacitor that stores sufficient energy to power onboard electronics without the need for an onboard battery. The card may be incorporated within various conventional apparatus such as a see-through and/or protective substrate, an item of clothing, an item of jewelry, a cell phone, a Personal Digital Assistant (PDA), a credit card, an identification card, a money holder, a wallet, a personal organizer, a keychain payment tag, and like personality.
摘要翻译：提供用于金融交易的卡或令牌。金融交易代币或卡具有机载能量存储装置，当卡不在商家服务点（POS）终端附近时，机载电子装置能够操作机载电子设备。在一个实施方式中，车载能量存储装置包括诸如薄膜电容器之类的电容器，其存储足够的能量以给车载电子装置供电而不需要车载电池。该卡可以结合在各种常规装置内，例如透视和/或保护基底，衣服，珠宝物品，手机，个人数字助理（PDA），信用卡，身份证，钱包，钱包，个人组织者，钥匙链支付标签以及类似的个性。

4. 发明申请

WO2009117609A2 POWERING FINANCIAL TRANSACTION TOKEN WITH ONBOARD POWER SOURCE 审中-公开
标题翻译：凭借板载电源助力金融交易
公开(公告)号：WO2009117609A2
公开(公告)日：2009-09-24
申请号：PCT/US2009037712
申请日：2009-03-19
申请人： VISA USA INC , FAITH PARTICK L , HAMMAD AYMAN A
发明人： FAITH PARTICK L , HAMMAD AYMAN A
IPC分类号： H04W4/24 , G06K17/00 , G06Q20/00 , H04W12/06 , H04W88/02
CPC分类号： H02J50/70 , G06K19/06009 , G06K19/06187 , G06K19/067 , G06K19/0701 , G06K19/0705 , G06K19/0706 , G06K19/0716 , G06K19/07703 , G06K19/07722 , G06K19/08 , G06Q20/20 , G06Q20/32 , G06Q20/3278 , G06Q20/341 , G06Q20/367 , G07F7/0806 , G07F7/0826 , G07F7/10 , H02J7/0052 , H02J7/025
摘要： There is provided a card or token for use in financial transactions. The financial transaction token or card has an onboard energy storage device that enables onboard electronics to operate when the card is not in the proximity of a merchant Point-Of-Service (POS) terminal. In one implementation, the onboard energy storage device includes a capacitor such as a thin- film capacitor that stores sufficient energy to power onboard electronics without the need for an onboard battery. The card may be incorporated within various conventional apparatus such as a see-through and/or protective substrate, an item of clothing, an item of jewelry, a cell phone, a Personal Digital Assistant (PDA), a credit card, an identification card, a money holder, a wallet, a personal organizer, a keychain payment tag, and like personality.
摘要翻译：提供用于金融交易的卡或令牌。金融交易代币或卡具有机载能量存储装置，当卡不在商家服务点（POS）终端附近时，机载电子装置能够操作机载电子设备。在一个实施方式中，车载能量存储装置包括诸如薄膜电容器之类的电容器，其存储足够的能量以给车载电子装置供电而不需要车载电池。该卡可以结合在各种常规装置内，例如透视和/或保护基底，衣服，珠宝物品，手机，个人数字助理（PDA），信用卡，身份证，钱包，钱包，个人组织者，钥匙链支付标签以及类似的个性。

5. 发明申请

WO2008094328B1 SIGNATURE BASED NEGATIVE LIST FOR OFF LINE PAYMENT DEVICE VALIDATION 审中-公开
公开(公告)号：WO2008094328B1
公开(公告)日：2008-12-24
申请号：PCT/US2007082903
申请日：2007-10-29
申请人： VISA USA INC , DIXON PHIL , HAMMAD AYMAN A , THAW WILLIAM ALEXANDER , AABYE CHRISTIAN
发明人： DIXON PHIL , HAMMAD AYMAN A , THAW WILLIAM ALEXANDER , AABYE CHRISTIAN
IPC分类号： G06Q20/14 , H04K1/00 , G06Q20/36 , G07B15/02
CPC分类号： G06Q20/4016 , G06Q20/027 , G06Q20/04 , G06Q20/085 , G06Q20/0855 , G06Q20/20 , G06Q20/204 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G06Q20/382 , G06Q20/3821 , G06Q20/40 , G06Q20/401 , G07B15/00
摘要： At each of a plurality of transit readers of a transit system, for each of a plurality of riders, where each rider seeks to conduct an access transaction with the transit system for access into the transit facility by using a payment device issued by an issuer in a payment system, data is read from the payment device. The data includes an encryption code that uniquely corresponds to the payment device and was created by the issuer using one or more encryption keys and a predetermined algorithm. A check will be performed, remotely and/or locally, of one or more lists of other encryption codes to determine if the encryption code is on the list. On the basis of whether the encryption code is on the list, the rider is permitted access to the facility of the transit system. The payment device need not be changed for the rider's fare. Decryption of the encryption code read from the payment device is not required to complete the access transaction.

6. 发明申请

WO2008094328A2 SIGNATURE BASED NEGATIVE LIST FOR OFF LINE PAYMENT DEVICE VALIDATION 审中-公开
标题翻译：基于签名的负面清单，用于离线付款设备验证
公开(公告)号：WO2008094328A2
公开(公告)日：2008-08-07
申请号：PCT/US2007082903
申请日：2007-10-29
申请人： VISA USA INC , DIXON PHIL , HAMMAD AYMAN A , THAW WILLIAM ALEXANDER , AABYE CHRISTIAN
发明人： DIXON PHIL , HAMMAD AYMAN A , THAW WILLIAM ALEXANDER , AABYE CHRISTIAN
IPC分类号： G06Q20/14 , G06Q20/36 , G07B15/02
CPC分类号： G06Q20/4016 , G06Q20/027 , G06Q20/04 , G06Q20/085 , G06Q20/0855 , G06Q20/20 , G06Q20/204 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G06Q20/382 , G06Q20/3821 , G06Q20/40 , G06Q20/401 , G07B15/00
摘要： At each of a plurality of transit readers of a transit system, for each of a plurality of riders, where each rider seeks to conduct an access transaction with the transit system for access into the transit facility by using a payment device issued by an issuer in a payment system, data is read from the payment device. The data includes an encryption code that uniquely corresponds to the payment device and was created by the issuer using one or more encryption keys and a predetermined algorithm. A check will be performed, remotely and/or locally, of one or more lists of other encryption codes to determine if the encryption code is on the list. On the basis of whether the encryption code is on the list, the rider is permitted access to the facility of the transit system. The payment device need not be changed for the rider's fare. Decryption of the encryption code read from the payment device is not required to complete the access transaction.
摘要翻译：在多个交通系统的多个过境读取器中的每一个上，对于多个骑手中的每一个，其中每个骑手寻求通过使用由发行者发行的支付装置进行与中转系统的访问交易支付系统，从支付设备读取数据。数据包括唯一对应于支付设备并由发行者使用一个或多个加密密钥和预定算法创建的加密代码。远程和/或本地执行一个或多个其他加密代码列表的检查，以确定加密代码是否在列表中。根据加密代码是否在列表中，骑手被允许访问中转系统的设施。付款设备不需要更改为骑手的票价。从支付设备读取的加密代码的解密不需要完成访问事务。

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