利索-全球专利检索

  1. 登录
  2. 注册

搜索结果

581 条记录 (耗时 0.038 秒)

    Verification of a portable consumer device in an offline environment
    41.
    发明授权
    Verification of a portable consumer device in an offline environment 有权
    验证离线环境中的便携式消费者设备

    公开(公告)号：US08712892B2

    公开(公告)日：2014-04-29

    申请号：US13749511

    申请日：2013-01-24

    申请人： Visa U.S.A. Inc.

    发明人： Philip B. Dixon ,  Ayman Hammad ,  Khalid El-Awady

    IPC分类号： G06Q40/00

    CPC分类号： G06K5/00 ,  G06K17/00 ,  G06K19/06187 ,  G06K19/067 ,  G06Q20/40

    摘要： A portable consumer device includes a base, and a computer readable medium on the base. The computer readable medium comprises code for an issuer verification value and a supplemental verification value. The issuer verification value is used by an issuer to verify that the portable consumer device is authentic in an on-line transaction and the supplemental verification value is used to verify that the portable consumer device is authentic in an off-line transaction.

    摘要翻译： 便携式消费者设备包括基座和基座上的计算机可读介质。 计算机可读介质包括用于发行者验证值和补充验证值的代码。 发行者验证值由发行者用于在在线交易中验证便携式消费者设备是真实的，并且补充验证值用于在离线交易中验证便携式消费者设备是真实的。

    System and method of providing spending information by foreign visitors using transaction records of financial presentation devices
    42.
    发明授权
    System and method of providing spending information by foreign visitors using transaction records of financial presentation devices 有权
    国外访客使用财务呈现装置的交易记录提供支出信息的制度和方法

    公开(公告)号：US08671004B2

    公开(公告)日：2014-03-11

    申请号：US12795401

    申请日：2010-06-07

    申请人： Jeffrey Rolland Olives ,  John Chivers ,  Laura Tallman DiGioacchino ,  John W. Chandler

    发明人： Jeffrey Rolland Olives ,  John Chivers ,  Laura Tallman DiGioacchino ,  John W. Chandler

    IPC分类号： G06Q10/00 ,  G06Q30/00 ,  G07B17/00 ,  G07F19/00

    CPC分类号： G06Q40/02 ,  G06Q40/12

    摘要： A system for providing spending information in a locality by foreign visitors using transaction records of financial presentation devices such as credit and debit cards that are presentable to merchants is disclosed. A storage device stores transaction data generated from card transactions. A transaction analysis module executable by a processor generates a filtered set of transaction records that exclude, from the stored data, a set of transactions which are indicative of having been made by long term residents of the locality, rather than by residents of foreign regions, in order to improve the accuracy of true foreign visitors to the locality. For example, the system filters out from the database all transactions of accounts that have made a bill-pay transaction. As another example, the system filters out non face-to-face transactions and all transactions with mail order and catalog merchants, and schools. Based on the filtered data, the transaction analysis module generates a spending report containing an aggregated amount of the transactions for each foreign region of the holders who have performed the transactions in the locality.

    摘要翻译： 披露了一种使用外部访问者使用交易记录来向商家提供信用卡和借记卡等金融陈述设备的交易记录来提供消费信息的系统。 存储设备存储从卡交易产生的交易数据。 由处理器执行的交易分析模块可生成经过过滤的一组交易记录，该组交易记录从所存储的数据中排除指示已由本地的长期居民而不是由外国地区居民作出的一组交易， 以提高真正的外国游客对当地的准确性。 例如，系统从数据库中过滤出已进行支付交易的帐户的所有交易。 另一个例子，该系统过滤出不同的面对面交易和邮件订单，目录商家和学校的所有交易。 基于过滤的数据，交易分析模块生成支出报告，其中包含在本地执行交易的持有人的每个外国地区的交易总量。

    Mobile payer authentication
    43.
    发明授权
    Mobile payer authentication 有权
    移动付款人身份验证

    公开(公告)号：US08639600B2

    公开(公告)日：2014-01-28

    申请号：US12538649

    申请日：2009-08-10

    申请人： Timothy Mu-Chu Lee

    发明人： Timothy Mu-Chu Lee

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/322 ,  G06Q20/12 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q40/00

    摘要： An address of a computing device for conducting a transaction with a merchant on an account of an account holder is used to obtain display attributes of the computing device. An authentication request is formatted using the obtained display attributes of the computing device. The formatted authentication request is sent for delivery to the logical address of the computing device. In response to the formatted authentication request, authentication information for the account holder is received from the logical address of the computing device. A validation attempt is performed on the received authentication information for the account holder. If the received authentication information for the account holder was successfully validated by the performance of the validation attempt, the authentication response is transmitted for delivery to a logical address for the merchant.

    摘要翻译： 使用用于与帐户持有者的帐户进行与商户的交易的计算设备的地址来获得计算设备的显示属性。 使用所获得的计算设备的显示属性来格式化认证请求。 发送格式化的认证请求以递送到计算设备的逻辑地址。 响应于格式化的认证请求，从计算设备的逻辑地址接收用于账户持有者的认证信息。 对接收到的帐户持有人的认证信息进行验证尝试。 如果通过验证尝试的执行成功地验证了所接收到的帐户持有人的认证信息，则将认证响应发送给商家的逻辑地址。

    Systems and methods to identify differences in spending patterns
    44.
    发明授权
    Systems and methods to identify differences in spending patterns 有权
    识别消费模式差异的系统和方法

    公开(公告)号：US08639567B2

    公开(公告)日：2014-01-28

    申请号：US13050796

    申请日：2011-03-17

    申请人： Michelle Eng Winters

    发明人： Michelle Eng Winters

    IPC分类号： G06Q30/00

    CPC分类号： G06Q30/02 ,  G06Q30/0255

    摘要： In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store data recording the transactions, and at least one processor coupled with the data warehouse and configured to identify a first set of customers who made first transactions correlated with an advertisement, identify a second set of customers not in the first set of customers, and determine a difference between a first pattern in a first set of transactions of the first set of customers and a second pattern in a second set of transactions of the second set of customers.

    摘要翻译： 一方面，系统包括用于处理事务的事务处理程序，用于存储记录事务的数据的数据仓库，以及与数据仓库耦合的至少一个处理器，并且被配置为识别与第一交易相关联的第一组客户 广告，识别不在第一组客户中的第二组客户，并且确定第一组客户的第一组交易中的第一模式与第二组中的第二组交易中的第二模式之间的差异 的客户。

    Network architecture for secure data communications
    45.
    发明授权
    Network architecture for secure data communications 有权
    用于安全数据通信的网络架构

    公开(公告)号：US08631134B2

    公开(公告)日：2014-01-14

    申请号：US12182613

    申请日：2008-07-30

    申请人： Dennis M. Ceragioli ,  Melvin Jeyaraj

    发明人： Dennis M. Ceragioli ,  Melvin Jeyaraj

    IPC分类号： G06F15/16 ,  G06F15/173

    CPC分类号： H04L63/20 ,  H04L63/0218 ,  H04L63/0281 ,  H04L63/0471 ,  H04L63/0823 ,  H04L63/166 ,  H04L67/1036

    摘要： A network architecture includes a perimeter network connected between an internal network and an external network. The perimeter network includes one or more external edge nodes that are connected to the external network and a plurality of proxy servers that are each connected to one or more of the external edge nodes. One or more internal edge nodes are connected between the plurality of proxy servers and the internal network. The proxy servers are operable to establish a first secure connection between a destination through the external network and a second secure connection to a destination in the internal network. Each of the plurality of proxy servers provide a substantially identical identification for authentication when establishing the first and second secure connections.

    摘要翻译： 网络架构包括连接在内部网络和外部网络之间的外围网络。 外围网络包括连接到外部网络的一个或多个外部边缘节点和各自连接到一个或多个外部边缘节点的多个代理服务器。 一个或多个内部边缘节点连接在多个代理服务器和内部网络之间。 代理服务器可操作以通过外部网络建立目的地之间的第一安全连接和到内部网络中的目的地的第二安全连接。 当建立第一和第二安全连接时，多个代理服务器中的每一个提供基本相同的用于认证的标识。

    MOBILE PAYMENT DEVICE
    46.
    发明申请
    MOBILE PAYMENT DEVICE 有权
    移动支付设备

    公开(公告)号：US20140008433A1

    公开(公告)日：2014-01-09

    申请号：US13938951

    申请日：2013-07-10

    申请人： VISA U.S.A. INC.

    发明人： Ayman Hammad ,  Phil Dixon

    IPC分类号： G06Q20/32

    CPC分类号： G06Q20/32 ,  G06Q20/045 ,  G06Q20/322 ,  G06Q20/327 ,  G06Q20/3278 ,  G07B15/00 ,  G07B15/02 ,  G07F17/0014

    摘要： A system, apparatus, and method for facilitating the payment and collection of transit system fares using a mobile device. The inventive system utilizes a contactless element embedded within a mobile wireless device, such as a mobile phone, PDA, or the like. The smart element is integrated with the circuitry of the mobile device to permit the data to be accessed and manipulated (e.g., read, written, erased) using the wireless communications network as the data transport channel. The data required to enable a user to access a transit system and for the system to conduct fare calculations may be provided to the memory in the contactless element using the wireless network. Such data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use).

    摘要翻译： 一种用于使用移动设备便利支付和收集过境系统票价的系统，装置和方法。 本发明的系统利用嵌入在诸如移动电话，PDA等的移动无线设备内的非接触元件。 智能元件与移动设备的电路集成，以允许使用无线通信网络作为数据传输信道来访问和操纵（例如，读取，写入，擦除）数据。 可以使用无线网络将使用户访问交通系统和系统进行票价计算所需的数据提供给非接触元件中的存储器。 这样的数据可以包括访问控制数据（密钥，密码，识别数据）或票价计算所需的数据（费率，系统使用的历史数据）。

    Fund on activation
    47.
    发明授权
    Fund on activation 有权
    激活基金

    公开(公告)号：US08620781B2

    公开(公告)日：2013-12-31

    申请号：US12482079

    申请日：2009-06-10

    申请人： David Ross Baumgartner, IV

    发明人： David Ross Baumgartner, IV

    IPC分类号： G07F19/00

    CPC分类号： G06Q20/354 ,  G06Q20/105 ,  G06Q20/28 ,  G06Q30/04 ,  G06Q40/025 ,  G06Q40/12

    摘要： A system and method of funding a financial transaction card, providing a financial transaction card to a user, wherein the financial transaction card has a face value and wherein an amount of funds pertaining to the face value is placed in a liability account, and wherein the financial transaction card has an actual value of zero, activating the financial transaction card by the user; and funding a funds pool for the financial transaction card with the funds from the liability account after the activation of the financial transaction card, wherein only funds from the funds pool is available for conducting a purchase.

    摘要翻译： 一种为金融交易卡提供资金的系统和方法，向用户提供金融交易卡，其中金融交易卡具有面值，并且其中与面值有关的资金量被放置在负债账户中，并且其中 金融交易卡实际值为零，用户激活金融交易卡; 在金融交易卡激活后，从负债账户的资金中为金融交易卡提供资金池，只有资金池的资金才能进行购买。

    Wireless mobile communicator for contactless payment on account read from removable card
    48.
    发明授权
    Wireless mobile communicator for contactless payment on account read from removable card 有权
    无线移动通信器，用于从可移动卡读取的非接触式付款

    公开(公告)号：US08596547B2

    公开(公告)日：2013-12-03

    申请号：US13670150

    申请日：2012-11-06

    申请人： Stephen Diamond

    发明人： Stephen Diamond

    IPC分类号： G06K19/06

    CPC分类号： G06Q20/3278 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q20/20 ,  G06Q20/28 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3276 ,  G06Q20/347 ,  G06Q20/353 ,  G06Q20/381

    摘要： A wireless mobile communications apparatus reads removable cards and can communicate an account corresponding to the removable card in order to conduct a wireless transaction with a merchant on the account with the wireless mobile communications apparatus. A total currency amount for the transaction, and remaining balance in the account after the transaction, can be displayed on a display screen of the wireless mobile communications apparatus. The removable card can be a gift card bearing a magnetic strip having an identifier for the account encoded thereto that will be read when inserted into the wireless mobile communications apparatus which can be a cellular telephone or Web enabled portable device. The magnetic strip gift card can be substantially composed of paper so as to be intended for disposable after use.

    摘要翻译： 无线移动通信装置读取可移动卡，并且可以传送对应于可移动卡的帐户，以便与无线移动通信装置的帐户进行与商家的无线交易。 可以在无线移动通信装置的显示屏幕上显示交易的总货币金额和交易后的帐户中的剩余余额。 可拆卸卡可以是带有磁条的礼品卡，该磁条具有编码到其中的帐户的标识符，当被插入到可以是蜂窝电话或支持Web的便携式设备的无线移动通信设备中时将被读取。 磁条礼品卡可以基本上由纸构成，以便在使用后被一次性使用。